Thanks for your help. Sending letter out today.

Tracie

I wrote to MBNA requesting that they refund my charges, which amount to £1200. This morning I received a cheque for £604 from them but no letter, only a compliments slip. I know my mail has been all over the place due to the postal strikes. What I want to know is can I put the cheque into my account and then ask for the balance outstanding to be refunded or do I have to reject this cheque and ask for payment in full?

Tracie

My list of charges came through yesterday, with no requests for ID, which surprised me.

At the time I sent it I didn't think I needed any ID as they have never been slow in contacting me if I was late in paying. Should have guessed that they would be like this.

I sent my S.A.R - (Subject Access Request) off on 14th April but have heard nothing at all back from MBNA. Which by my reckoning makes today the 40th day. Or should I have taken the 40 days from the next working day? Not sure on this one.

Then you will only be asking for a continuance or the bank will be?

Neither. Lloyds sneakily paid the full amount into my account yesterday without any notice.

This is the second refund I have had from them in the space of a week as they refunded my PPI as well.

Lloyds TSB actually rolled over very easily on this one. One letter and I received a full refund of £2018.

Sunny Kilmarnock.

I have filed a Summary Cause action against Lloyds TSB for approx. £1300. So far have heard nothng from them although have a few days grace as the return date is not until 25th May. The problem I was having is that I am away on holiday on the 1st of June which is the calling date. However I spoke to one of the lawyers at the Sheriff Court where I work and he has offered to appear for me in my absence. This is on the uderstanding that if I lose he won't charge me, but if I win he will claim his fees back from the bank as part of the settlement. Having a bit of a nervous panic now at the thought of involving a lawyer. :o

Me v Lloyds TSB - Won