MBNA/Abbey CC Charges - RESULT

[joseph]

Today I received a letter from Abbey's legal dept. offering me £182 instead of my claim amount of £304 plus interest and court fees.

 

There are some things in the letter that strike me as odd. Firstly the mention the OFT because I did in my letter, they say the OFT says £15 is fair, i thought the figure was £12 so mistake number one. Then they offer money for legal expenses £20, it costs more than that to raise the bloody action!!!

 

I have the option to sign a form and receive the £182 but I don't think I will.

 

What do u guys think?

[joseph]

Full refund received !!!!

[Janet-M]

Congratulations Joseph

[wintermare]

thats the one i got today,all that rubbish about"(on a without prejudice" basis).

they cant try to sway us,even if its not illegal do they think we are that stupid?

 

"Even if it is correct (which is not accepted) that the charges are greater than Abbe's actual loss Abbey would be entitled to charge something"

 

we never disputed this?but i think somewhere between £2-5 or a capped % is more appropriate

 

But by their own admission they dont think their charges are right.i.e. their wrong quote from OFT??

[Guadge]

Can I ask if you enclosed the £10, or not?

[joseph]

RESULT!!!!

 

I got a cheque through on Sat for the full amount owed to me by Abbey plus expenses.

 

I'm so pleased. Just waiting on BOS now.

[NeilP]

Congratulations Joseph.

 

Don't forget to PM Bankfodder to move your file from 'In Progress' to 'Concluded'.

 

Congrats again

 

Neil.

[williamh]

very well done Joseph...

 

 

mines a pint.

 

regards

 

william

[joseph]

I just got a letter from MBNA to tell me that my interest rate is changing from 17.9% already increased from 15.9% to a whopping 27% APR.

 

Can a 10% increase be allowed? It seems very unfair considering the base rate has not changed recently. I mentioned this on the phone and the girl did not even know what the base rate was! (As a concept not just the rate)

 

Advice or suggestions please.

[surreyscouse]

Are you in a position to do a balance transfer ?

[joseph]

i'd need to look at my balances. I probably could, but it is just the principle of the thing! It seems so hefty.

[joseph]

This topic was closed on 03/06/19.

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