Don't worry kathryn, you'll soon have your cheque. they made me wait right til the very last day possible but i got what i wanted and so will you. sit back and relax

got a list of charges for my second account, it came to £436. Got a goodwill payment of £160, rang Paul Miney told him i wanted the full amount plus compound interest, received a letter 2 days later saying they are sending me a cheque for £1,182.30. THATS NEARLY £750 IN COMPOUND INTEREST!!!!!! WHAT A RESULT

cheers andrew, that sounds encouraging. I was thinking about talking to an accountant about this compound interest thing. I was thinking that maybe they could work out the compound interest for me so that i could add that to my £875 claim. ( just had news of my 2nd claim against MBNA - £436 charges, they offered a total of £1,226 once they had worked out the compound interest.) Its obviously worth going that extra mile to make sure we get it. Do you have a number to call for MS? Did you say that they would work out the compound interest for you (as with MBNA)? This would be a huge help, as i'm really not sure where to start with it. Don't really just want to let it go to court and claim 8%!!

Has anybody tried to ring Morgan Stanley to see if they want to settle over the phone. I know this works with MBNA and they even work out the compound interest for you.

HI GBZSTRO, i took your advice about asking for compound interest when claiming against MBNA and got a great result, thanks. I've got another claim going now against Morgan Stanley, i was just wondering if you knew how i can work the compound interest out for myself (can't see MS being as helpful as MBNA). The claim is for £875 and obviously i want to get as much as possible out of them which judging by my last claim, compound interest is the best way to go. If i can't find out how to work it out then i shall just have to go with the 8% at the moneyclaim stage, but i'd love to squeeze everything i can out of them. cheers lee

cheers bob, but which one can i claim for, it just states interest on the statement

ha ha martin, there's not enough money in the world that would make me get a man *hitty avatar. lol. nice to see you got your cheque. i'm just waiting for them to close my account now. I'm £600 overdrawn but they have taking about another £200 - £300 in charges since i filed my last claim. This should be fun, cos when they say they want they're £600 back i'm gonna tell them to refund the charges to my account or i will take them to court again, at the end of the day its their own money they're chasing now so lets see if they are a bit more willing to refund the charges, either way it doesn't bother me. ha ha ha ha ha

Just got my statements back from Morgan Stanley. total of charges comes to £875, however this does not include any interest. On my statements it lists interest 3 seperate times, does anybody know why they do this and which i can claim for. Also can somebody please tell me how to work out the compound interest on these charges. I claimed £1160 from MBNA and they worked the compound interest out for me, it came to a total of £2247, so obviously it makes a huge differance to the claim. thanks

Thanks Lil, its a nice feeling isnt it

Thanks Em, can get a fresh start now, away from A&l forever!!! I've been waiting a long time for this day but it was definitely worth it. I've only just stopped dancing around the house and i've still got a big grin on my face. wish those at A&L could see it. Lee x

:D We have another winner :D At last, just walked through the door from work to a lovely cheque for £3317.66. They made me wait til the very last day but it was worth it!!!!!!! Got a letter saying that they dont admit liabilty and all that crap, and a touching bit at the end saying they will be contacting me about my account. They should be so lucky, i'll be closing the account myself by the end of the week. A big thank you to everybody who gave help and advice especially caro. A big thank you to em for your support, hope you're enjoy your cash.. Well with A&L and MBNA sorted out, its time to move on to Morgan Stanley, Egg, Barclaycard and finally Argos. A message to all of you just starting your claims --- KEEP THE FAITH!!! DONATION WILL BE MADE AS SOON AS THE CHEQUE CLEARS THANK YOU

Can you believe it, its still not here. I'm sure they only have til Thursday. I might try sending an email like Honestknob, it seemed to work there. I think they're taking the P*** now!!!!!!!!!!!!!!!!!

Cheers weaver, as soon as i get my cheque from A&L its going in my brand new Natwest account, then i'm gonna tot up all the new charges from A&L and ring them to ask if they want to refund them straight away or if they want me go thru the whole process again. If they don't want to sort it out there and then, i'll gladly take them to court again.

Still no cheque, just worked out they have until Thursday to pay up. So hopefully tomorrow may be the day.

Thanks caro, i know what you mean but i think to be honest, its a lot more than i thought i was gonna get so i'm more than happy. Besides i have another account that they are working out for me without me even sending any letters, i dont know why but i just feel that i can trust them, and i know how stupid that sounds!! Besides if i don't think it sounds right i will request my S.A.R. I just wish that they were all so happy to settle, just think how much time, court costs etc the banks could save themselves if stopped been so petulant. Still waiting for my cheque from A&L even though they filed an acknowledgement of service 3 weeks ago

Thanks tamadus, I'm not exactly worried at the moment but its just a pain in the arse waiting for them. As soon as i get this cheque everything will change for me, i can set all my direct debits up again and not worry about them failing and then being charged a stupid amount. Just can't wait to get a fresh start. At least i have one cheque to look forward to from MBNA and another on its way soon. Just wish A&L would stop all this messing about now and just pay people what they have [edit] from them.

Good luck for Tuesday Tobes, I'm soon gonna start a claim against egg myself, as soon as i've finished with a couple of others. It looks like its gonna be hard work, but at the end of the day i don't see how they can justify their charges. All the best lee

Hi Em , still no cheque. was hoping to get it today but instead just got my statement showing yet more bank charges. Looks like a second claim as soon as i finish this one. Still on a bit of an high though from yesterday, yeh mbna were easy, wish they were all the same. A&L are really peeing me off right now, taking the pee with the cheque and still charging £34 charges. I think most banks and credit cards have changed the maximum charge to £12 already but i would put money on the fact that A&L will be the last to do it.

Congratulations GBZSTRO, i just got exactly the same result as you for my claim of £1160. thanks to your advice about the compound interest, i received a settlement figure of £2247.38 - they cleared my £1860 balance and are sending the remainder in a cheque. Paul Miney is also working out another account for me including compound interest and he's gonna get back to me asap. Just one question i would appreciate some help on. I also want to start claims against Morgan Stanley, Barclaycard and Egg. The thing is, i want to claim the compound interest on these charges but i don't know how to work it out by myself. It was easy with MBNA cos they worked it out for me, but i'm gonna need some help working it out when i get my list of charges from these Credit Card companies, i don't think everybody will be as keen as MBNA to settle. help would be greatly appreciated thanks

Thanks jim. I didn't know about compound interest when i made my first claim for £2,700 againtst A&L, which is a big shame, i bet that would have topped £5k. But i did ask for it today and Paul Miney was happy enough to work it out for me and it doubled my claim. Thanks for the links for working out the compound interest, i've still got another 3 credit cards to have a go at yet, so hopefully the interest should bump these claims up quite a bit. thank again

Cheers Em & Lil, its a great feeling to have people supporting you. really appreciate it, i'm sure it won't be long now Thanks

ash95, just sit tight now. you'll have your cheque in a couple of weeks. They'll make you wait for it, but you'll get it

CONGRATULATIONS EM I'm so pleased for you, i got goose pimples when i read your post. I'm really really happy for you, hope you enjoy your money. Hopefully my cheque will come in a day or two, but still a good day for me today, i got a list of charges to my MBNA credit card last week, they offered a £540 goodwill payment of half the charges (£1160). I was advised to ring them instead of sending the prelim letter. When i rang i was told to ask for compound interest on the £1160. They rang me back 10 mins later with a settlement of £2247. What a result, a good day for us both. Well done x

EXCELLENT RESULT!!!!!!!!!!!!!!!!!!!!! got a phone call back from Paul Miney 15 minutes later. he worked the compound interest out and added it to the £1,160 charges, imagine my delight when he told me it came to £2,247.35. Definitely go for the compound interest. He said they would clear the balance of the account and send the rest (£385.35) to me in a cheque. He also said that he would request the charges on the other account and work out the compound interest on that, then he's going to write to me next week with the total. Its then up to me if i wanna accept it or not. A TOTAL PLEASURE TO DEAL WITH. DONATION ON THE WAY AS SOON AS THE CHEQUES CLEAR Thanks for the advice on the compound interest, what a bonus.

Just spoke to Paul Miney, again very pleasant to speak to. I told him that i wanted the remaining £620 plus the compound interest on the full £1,160. He said he would work the figures out and get back to me within the hour. He also managed to get the account number for my old MBNA account and said he would get me the information as to the amount of charges made against that account. Not sure if i'll be able to sort both accounts out today but it was definitely was worth the phone call