When I received a letter from them regarding partial settlement - they confirmed in the letter that they would not be looking for the rest back

Hi the same thing happened to me with MBNA back in 2005 I negoiated with them to clear my debt- but they marked it on my credit file a a partial settlement ( I received the exact same letter as you) At the time I was desperate and just paid the money - and they marked it as a partial settlement - Which to be honest is as bad as a default. Anyway Last year I got my charges back and asked for a copy of my CCA they couldn't produce it and after alot of to twoing and frowing whereby i requested that the information be removed from my credit file they sent me a letter to say they couldn't find my CCa that they had made it clear when i made the settlement it would be a partial settlement but that now they would mark my account as fully settled from the date I made the partial settlement payment They haven't done it yet - but this is partially my fault because I never chased them So basicially you should do what I did and ask them to confirm in writing that they can't provide you with a copy of your cca and tell them that you will only be paying back the money if it is marked as full settlement PS because i had the partial settlement registered against me before I claimed back my charges - I received all my charges and interest on those charges back- they didn't deduct the amount I still owed them from the total amount they refunded

hi there and thanks for the reply the property sale has just gone through so my folks still have the business bank accounts opened in their names no the company wasn't worth anything when it was sold they raided their savings took out loans, refinanced the property and their house to keep the company going but this was to keep cash flow going not just to pay bank charges but the charges sure didn't help matters

hi was wondering if someone could give me a few pointers my parents had a limited company which they have just sold - well actually what they sold was the premesis and the company name as there was no value in the actual business itself doing a quick scan of their charges the are in the region of £25,000 and the claim is in northern ireland I read on a previous post that if the company was dissolved then any successful claim would be paid to Gordan Brown but the company is not dissolved so if they made a sucessful claim would they get they money they were both directors in the company the company turnover was close to £2,000,000 per year it suffered substantial losses any tips or advise would be greatly appreiciated

ok steven I have sucessfully got one from them will scratch my head for a while and decide whether to go for 3 thanks again

hi youngman I posted a prelim got no resonse filed lba phoned them on the deadline day they daid they were working to a 28 day deadline not 14 as I requesed I waited instead of filing court papers got a goodwill gesture rejected it then phoned them after rejection letter deadline they again said another 28 days I said ok, no sign after 28 days I rang them and mentioned also that they hadn't sent my cca got a seelement in the post a couple of days later its up to you I wasn't in a massive hurry for the money so I waited the extra time but maybe filing court papers will give them a jolt - and maybe with this test case from OFT and banks possible stalling of paying bank charges you should try and get it fully settled as quick as possible

ok folks sign this petition to stop banks from stalling on paying out on bank charges also can you post the petition on your own thread Petition to: Ensure UK citizens have the right to recapture illegal bank charges up until the day a UK court find them legal.

isn't it interesting that they can insist that telephone lines of communication can remain open for them to harrass you but when we try to harrass them on the phone they tell us they will only communicate by letter try the legal department Will Waring i've posted the number somewhere on the thread

I steven thanks very much for your reply - I was trying to claim compounded contractual interest untill the date of my claim but it seems a bit tricky - I don't know whether to leave it as it is or reject the offer In the second scenario that you gave me do you think it is worth fighting for because as MBNA have also admitted that they can't find my CCA i was considering going down the route of standing and wednesday ie that as they cannot provide the agreement they cannot prove what interest i agreed to pay there fore I want to claim it all back but I don't want to completely take the **** out of mbna any advise or input would be grately appriciated and thanks again

hey there dizzy long time no speak accept it as partial settlement tell them you want the rest Its up to you if you want to file court papers I didn't just sent them letters and waited they told me it would be 28 days before they could respond to my partial settlement letter - I was happy to wait that time but stick to your own deadlines if you want and file court papers you mght get there a bit quiker than I did jackster

LOL Wednesday when I spoke to them yesterday and wanted to know why I wanted my CCA I told them that it was my intention to use the lack of it to get the information to removed info from my credit file So she was going to speak to the legal department and write to me regarding this and also confirm that they have no CCA The number below is very useful if you are trying to chase a response to your letters from them Tel 01244 672348 ask for Will waring but only his assistant will you ring back still it gets the job done hey there standing just trying to sort out some confusion over compounded contractual interest then I'll be putting my full weight on that bandwagon :D

hi there mbna should not be hassling you and they know this!!! try this number Tel 01244 672348 - ask to speak to will waring and when they ask tell them why his assistant will ring you back tell her that the account is in dispute blah blah and that you have are sending a harrasment letter to them

hi pookeymonkey just subscribing xxxx - - stick at it you'll get there in the end

Hi I succesfully claimed compounded contractual interest from MBNA however they say I can only claim it untill the account was closed in 2005 I wanted to claim it until my claim date in 2007 There is a £1000 deficet and I'm trying to work out if they are right or am I thanks in advance Jackster

Hi there I saw that you won your claim with MBNA for charges and CI - where you able to claim CI untill the date of your claim or only untill you closed your account in 2006?? thanks

HI GLav I've won against MBNA - I Think lol They have given me a cheque for all my bank charges with compounded contractual interest at a rate of 23.9% the sting in the tail is that they've only given me interest untill the account was closed in 2005 so they've calculated it at £522 I have calculated it at £1580 from the date of the charge to date of claim may 2007 they also gave me statutory 8% interest of a further £510 so I don't know whether to change my thread to won- as I'm currently trying to find out if i can only claim the contractual interest untill the account was closed anyway i'll keep you posted how i get on they also admitted that they can't find my CCA thanks again for all your help and support - xxxx

hi MBNA have agreed to pay me compounded contractual at a rate of 23.9% on all my charges however they are only prepared to pay in untill my account was closed in 2005 but I was claiming interest untill the date of my claim may 2007 can any of you experts tell me if I can only claim compounded contractual interest untill the account was closed have had a look round some threads but it seems that most people claiming contractual interest are people whose accounts are still open or in dispute thanks in advance

MBNA are in default of my CCA they admitted today on the phone that they can't find it - and asked why I wanted it and said that as they couldn't find it they sent me a copy of the terms and conditions instead which is as good as CCA LOL LOL LOL LOL MBNA They are going to confirm by post that they can't find it then its time to get information removed from file http://www.consumeractiongroup.co.uk/forum/mbna/67778-mbma-abbey-credit-card.html

hi folks was wondering if anyone could help me I made a claim to MBNA for charges and compounded contractual interest They have offered me compounded contractual interest untill the account was closed and 8% interest which they think a court might award however on my claim for compounded contractual interest they have paid it untill my account was closed - but I was claiming it untill the date of my claim (may 2007) They told me I could only claim untill the account was closed does anyone know if this is true sorry for hijacking

MBNA have admitted on the phone today that they can't provide me with the original agreement They are going to confirm this is writing I was claiming compounded contractual interest on the account from the date of the charge untill the date of my claim they say that I can only claim compounded contractual interest untill the balance was paid of in July 2005 can anyone tell me if this is correct?

hey there standing just been reading you and wednesdays threads re MBNA and i'm so impressed by how far you've come since I was talking to you last I've had a settlement from MBNA re charges but the info is on my credit file I'll be seriously reading and rereading your threads re CCa - as MBNA have told me on the phone today they can't produce my agreement - they are writing to confirm this might be heading down the same route as yourself well done for being brave enough to take these guys on

well I rang Will Waring the other day re my consumer credit agreement - they said they were posting it out to me I also pointed out that they had not made any response to my rejection letter sent over 28 days ago they said they would post out my credit agreement and a further offer My credit record says that I've made partial settlement to them (i still owe them £700) today I received a letter saying that they won't remove the info from my credit file - they have sent me terms and conditions instead of a credit agreement and my £1 cheque they also sent me a cheque for £1620.36 calculated by them as follows £1098 in charges which is correct £522.07 in compounded contractual interest @ 23.9% from the date of the charges untill and I quote "Up untill the time your balance was paid in full" (this was in June 2005) If my balance was paid in full - why is there partial settlement registered on my account?? a further £510.29 calculated at 8% which a court may award So the total they have given me is £2130.36 this is £548 less than what I am claiming for (Not including the 8% court interest) am I write in thinking that I can claim contractual interest up until the date of my claim - or are MBNA right that I can only claim it up until the account was closed???? should I reject this offer? and go for the full amount?? and how can I get this partial settlement removed from my credit file??

http://www.consumeractiongroup.co.uk/forum/other-institutions/79927-jackster77-bank-ireland.html I tried to change the title to won but couldn't do it Bank of Ireland settled in full after being repoted to the Financial Obmunsman

Hi folks I never got round to filing court papers to BOI but I did report them to the Financial Ombodsman about 4 weeks ago Got a letter from the FO this morning saying that while BOI accept no liability they do not want the FO investigating my claim therefore they have settled for the full amount I'm very very happy :) :) can someone tell me how to move this to WON Thanks for all your help and support guys a donation on its way to CAG

hey standing that really is excellent news well done - I must go and badger them some more!!! keep me posted re getting the info removed from your credit file etc What a result YEE HAA!!!!!