This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 08 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Sorry to bump this, however having read through tons of pages i am still unsure of the validity of these charges as opposed to credit card / bank charges. Is anyone able to help ?

I have been away for a while so unable to further this correspondance with GMAC. However this is the reply i received from them back in April. Should i just carry on with the normal route? I have tried to find instances of others claiming back these charges however most people seem to be claiming back mortgage fees from GMAC, nothing relating to vehicles. Thanks James

Sorry if this is in the wrong place but would the fees (£15 a time) GMAC charge for sending out a letter to me because of late payment be recoverable? Cheers J

Well seems the ******* have responded. Just looked at the Money Claim website and it appears my claim for judgement has been rejected because Beneficial have acknowledged the claim. So it says they have 28 days from when they are served the claim to reply. Has anyone got to this stage with them? I guess that gives them until Monday 12th June to reply. I go on holiday on 16th so something had better happen soon!!!

Well, started judgement on this case yesterday. Money Claim website just saying i have applied for judgement. Does anyone know what goes on from here???

I'd doubt it because aren't they providing you a 'service' by transferring the balance? Feel free to correct me if i'm wrong though.

Well they had until 29th May to file a defence as the claim was deemed served on 15th May. Do i go ahead and start judgement on the Money Claim website now as i haven't heard a bean from them? J

The court costs have been refunded to my account as the guy said on the phone along with the interest and charges - Yay!

Lovely Jubbly!

Update: Received a phone call from Gareth (the guy who originally phoned me) and he said that he was sorry but he didn’t receive a message to call me back yesterday (lack of communication or maybe just lies?!). He went through how MBNA understands that people believe their fees are unlawful however MBNA do not agree with this, even so, he said that he has today credited my account with the remainder of my claim of £140 charges (they’d already refunded £160), £35 interest, and the £30 court fee. He said that a letter went out yesterday to confirm this and would I stop the court claim now. I told him that I would wait until I could see the refund in my account online and until I had received the letter at home and checked it and then I would cancel the court claim. Off to check bank online now and phone home to see if there’s any post!