Flor v MBNA (bmi)

[Flor]

I have now sent the letter asking for the statements together with cheque and form of ID.

 

Fingers crossed!

[Kidson]

What type of ID is required??

[Flor]

Hi Kidson,

 

I was told by a forum user that you need to send a copy of your driving licence or passport along with the cheque and letter requestig the statements (they were told this by MBNA). I have not sent this ID for any other claims and surely they have already satisfied my credentials? A bit annoying.

 

Has anyone else been asked to send ID? :?

 

Thanks

[Flor]

I have received a letter (from Steve Bailey, Director of Customer Advocate Office) and document from MBNA listing all the charges -total £580.00. In the letter they offer me £240.00 as a goodwill payment.

 

I assume that I now send the letter telling them that I accept this amount as part payment and I continue to pursue the claim for the full amount.

 

Do I send this letter to Steve Bailey also or is there another contact for this stage?

 

Many thanks,

Flor

[ukaviator]

Hi Flor

 

Send a letter back to Steve Bailey.This should help:

 

 

 

BANK NAME

Address

Address

Postcode

Re: Account number XXXXXXXX

Response to settlement offer.

 

Dear [named sender or Sirs]

Thank you for your letter dated xx/xx/xx

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

 

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

 

My letter before action sent previously indicates that you have until xx/xx/xx to respond before Court action commences. You are reminded that there will be no extension to this timescale.

 

I trust this clarifies my position.

 

 

Yours faithfully

[signature]

Good luck

 

Ukaviator

[Flor]

Hi ukaviator,

 

Many thanks for your response -really helpful.

 

Just one further question, I did not send a LBA as the offer and letter came together with the statement. I am now not quite sure how to word my letter to them. Do I state that I give them 14 days to respond or I take action?

 

Thanks again!

Flor

[Flor]

Sent modified LBA accepting their £240.00 offer as part settlement but requesting they pay the remaining £340. Total of claim £580.

 

They have till the 12th October to respond.

[Flor]

I have just won the first of my claims!!!

 

Got home today to find the letter from MBNA that includes the following lines:

 

"However, as we would like to resolve this matter, we have credited your account with a further goodwill payment of £340. This is in addition with to the previous goodwill payment of £240 and is on the basis that this is in full and final settlement of your complaint. You will appreciate that this does not mean that we agree with your complaint."

 

Yippeee!! that's one down...a few more to go!!

 

Thank you CAG forum users for all the friendly and excellent advice.

 

Flor