Brannan v MBNA ***WON***

[leebrannan]

Hi everybody,

 

Just waiting to file moneyclaim againt A&L so i thought i'd get started on all the other **** that owe me money!

 

Can't wait to get started on MBNA.

 

Need to send them DPA letter. First time claiming against Credit Card Company, do you use the same one as you do for the banks.

 

Whats the usual timescale for a reply from them, surely they can't be as bad as A&L, they took 46 days to get me my statements.

[callumsgran]

Hi, in the bank templates library there is a template especially for c/c's ok?

[Godders]

Mine took about 7-10 days as I recall.

 

I used the same DPA access request template but referred to 'credit card account' instead of 'bank account' or 'banking business' etc.

 

Good luck.

[leebrannan]

Thanks, i've found the DPA template and edited accordingly.

Which is the best address to send this to?

 

Cheers

Lee

[Godders]

I faxed mine to 01244 672190

[downsouth]

I sent by recorded del with the £10 fee to:

 

Mr Steve Bailey

Head of Customer Advocate Office

MBNA Europe Limited

Chester Business Park

Wrexham Road

CHESTER

CH4 9FB

 

Good luck:)

[leebrannan]

Nice one, i'll get on with that asap.

 

Downsouth, i noticed you had an incomplete reply and only a part refund, what happened there??

[leebrannan]

Just got a reply from MBNA saying that they have received my letter and will be looking into my complaint and will get back to me by September 4th. I didn't realise i had made a complaint, all i've done is ask for a list of charges made to my account. Is that what they class as a complaint?? Wallies

[BaldyBaldwin]

that seems to be the way mbna are dealing with this, best send them a letter thanking them for the acknowledgement of your DPA request and remind them that they have 40 days to comply, this is usually followed up with a list of charges and in some cases a cheque,usually for a 100 quid, goodwill payment.

it seems to be worth following it up with a demand for your statements as in some cases they have "forgot" to add some charges to the list they have sent you

good luck

[leebrannan]

Dont worry i'll get my statements. It looks like MBNA are keen to settle from what i've read recently.

I had another account with them a while ago but cant find the account number. might be worth giving them a ring to find out and also see if they want to settle before it goes to the moneyclaim stage.

[BaldyBaldwin]

my claim is an old account, they will probably ask for proof off identity i.e a photocopy of your driving licence, passport or utility bill, they did with me

[jimmelling]

Hi Lee,

 

Started the same action! MBNA are a bank so you can use whatever template you like. I got a letter back after 7 days saying I'd get a full written response in 28 days. Can anyone else confirm the £50 fee for using a credit card cheque...must be an illegal charge??

 

jim.

[leebrannan]

Bit of advice needed please. Just received a letter from MBNA today with a list of late fee charges/ overlimit fee charges/ and non sufficient funds charges. These charges came to a nice little total of £1,160. However, also enclosed was my £10 cheque and a letter stating that they have credited my account with a "goodwill payment" of £540 on the basis that i find this an acceptable resolution.(sorry but i don't). I also have a form to fill in and send back (with some identification) if i require a full subject access request.

 

Have i got enough information to proceed already or should i request the full data subject access request.

 

Do i now send the request for repayment stating that i accept the £540 goodwill payment, but that i will require the outstanding balance of £620.

 

Just a little advice here would be greatly appreciated, thanks

[jimmelling]

Wouldn't have thought you need to pursue the full subject access? Sounds like you have enough info to proceed. I would send them a rejection letter...thanking them and accepting the 540 as a partial payment and asking for the balance to be paid within the specified timeframe in the rejection template. Their first offer was quite substantial!!

 

I'm still waiting for my response to my subject access request. I had the same reaction as you with barclaycard and I rejected their goodwill gesture asking for the full amount...waiting for next offer.

 

Goodluck!

 

Jim.

[leebrannan]

cheers jim, i thought it was a decent offer but i won't be happy until i get the full amount. i owe about £1,800 on my account so when i get the money that they owe me that'll go some way to paying them off.

 

i'm just waiting for a cheque from A&L at the moment so i kind of know what to expect, although you have no chance of getting goodwill payments out of them.

 

I had another account with MBNA a year or so ago, but i think i've thrown out all the paperwork to do with that account. How should i go about getting my old account number so that i can claim back those charges???

[leebrannan]

just finished my reply to the initial offer, how does this look??

 

 

MBNA Europe Limited

Chester Business Park

Wrexham Road

CHESTER

CH4 9FB

Re: Account number xxxx xxxx xxxx xxxx

Response to settlement offer.

 

Dear Steve Bailey

Thank you for your letter dated 4th September 2006

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £1,160

 

I will accept the £540 offered only as part settlement and on the clear understanding that I will pursue recovery of the remaining £620, with a County Court claim if necessary.

 

I presume that you will want to settle this matter as soon as possible and avoid unnecessary court costs, therefore I will give you a further 14 days to reconsider your offer. I look forward to your response.

 

I trust this clarifies my position.

 

 

Yours faithfully

[signature]

Lee Brannan

[jimmelling]

Hi Lee,

 

Letter looks great - good luck! As regards your old account, I would simply ring them and ask for the details. The person dealing with your request is probably blissfully unaware of matters v mbna.

 

Jim.

[jimmelling]

Hi Lee,

 

An update on this am. I rang MBNA today to remind them that my access request deadline is next Monday. The customer service manager said he wanted to settle my grievance today... even though I hadn't yet made a claim. He told me they'd charged me 550 in late payment fees over the last 6 years (did the work 4 me) He then offered me 216 - the difference between the 20 charge and the 12 pound charge they make now. I said I'd take it as part payment, check my statements and then claim the balance. He then offered me 570 to settle. I agreed provided that is the actual total of my charges. Have to ring him Monday and he'll settle Result!

 

 

[jimmelling]

Contact is Paul Miney on 01244 - 672628. Ring him and ask for your balance back? I get the impression they want to avoid getting tied up in admin.

[james1979c]

yeah don't bother writing, just ring up tell what you want and you'll get it.

also ask them to work out the interest you've paid on your charges as they'll pay this back too. if its back over 6 years its likely that the interest will add up to double the amount your claiming. mine did!

[gbzstro]

As James1979c mentions when you ring on Monday ask for the Compound interest as well - it doubled my offer and they were happy to do it.

[leebrannan]

Cheers guys, very helpful info. It does look to me that MBNA are very keen to settle disputes asap. Strange that seeing as though they are part of Alliance & Leicester, who are quite possibly the worst when it comes to these disputes.

 

What exactly do i ask for as regards to "Compound Interest"? i have heard of this before but don't know too much about it.

 

Thanks again.

[jimmelling]

Just rang Paul Miney claim was for 570 - asked him to work out the compound interest on that. 15 minutes later he called back..the interest was 590 and they have agreed to credit my account today with 1160 ( comes off my bill in the next 48 hours). Result!

 

[livelylad]

Just rang Paul Miney claim was for 570 - asked him to work out the compound interest on that. 15 minutes later he called back..the interest was 590 and they have agreed to credit my account today with 1160 ( comes off my bill in the next 48 hours). Result!

 

[leebrannan]

Nice one jim, so when i ring them tomorrow, all i have to do is ask them to work out the compound interest????

 

is it is easy as that???

 

i don't even know what compound interest is. ha ha