@mbna MBNA Credit Card Charge Claim

[dontgetshafted]

PERSONAL BACKGROUND :-

 

I had several Credit Cards and was paying them on time every month but after a change in circumstances,

I started to borrow from Peter to pay Paul (if you know what I mean) in order to continue to make the monthly payments.

 

I eventually ended up taking advice and I have since entered into an IVA (March 2011).

 

My debts with MBNA were around £15k and I knew that before my IVA, I was being charged penalties for missing or making late payments.

 

I decided to send a SAR request on Nov 10th and have just received it this week.

 

Having looked at the transactions, I have been charged £12 eight (8) times for missing payments during my last year.

 

Although the amount is £96:

 

Can someone advise me if this is not only worth claiming but would a successful claim be possible given the circumstances above.

 

Many thanks for reading this thread,

 

i have more SARs on the go so please keep a lookout.

[dx100uk]

prob be more than that

 

use:

 

and see my sig too

 

dx

[dontgetshafted]

Many thanks DXI have done the calculation from another spreadsheet i found on CAG but i will double check it anyway with yours.Do you think it is worth progressing and if so, are there any links for the next letter to be sent?cheersDGS

[dx100uk]

in my sig no.3?

 

dx

[dontgetshafted]

Just found it now thanks.Im pretty new to this so it takes me a while to understand all the abbreviations etc.I have double checked the amount and including interest at 8% it would be £105.01.I will have a look through the templates for a letter requesting the charges to be refunded.thanks again DX

[dx100uk]

???

 

you cant inc 8% unless you go thru the fos or file for court

 

just use the spready i sent and their purchase rate from last statement in D15 cell

 

read the sig no.3.