Roscodog18 V MBNA ***WON***

[roscodog18]

Hi,

Didn't want to list every detail as it happened so here is the list of events now it's over.

 

I sent of S.A.R - (Subject Access Request) requests for 2 accounts ( myself and my Wife) on 14/09/06 with £10 payment for each, the £10 cheques were cashed but credited to each credit card account.

On 22/09/06 I recieved letters for each account stating they would deal with it before 15/10/06. I telephoned to push them as I was going on holiday for 2 weeks starting 08/10/05 and was told a settlement offer would be sent before 15/10/06.........at this point I had not complained or asked for a refund.

on the 16th I called the MBNA Advocates office from holiday ( spoke to Colin Pugh who could not have been more helpful ), they told me the letter offered a 50% refund of my ( and my Wifes) charges. I rejected this on the phone and asked for a full refund with contractual interest. Colin called me back and offered a full refund plus contractual interest as 24%( the interest was more than the charges).

 

30 days from the first letter to full settlement plus contractual interest, 7 further days to recieve a cheque!

 

When I got home the letter included a print out of all charges levied to the account as MBNA assumed this was what I needed instead of a full S.A.R - (Subject Access Request), hence the £10 credit to the accounts.

 

I know the other credit cards and banks on my list won't be this easy..........but I'm inspired.......bring it on!

 

Paypal payment will be sent as soon as the cheque clears. I've completed the survey.

 

I may need some help with the others, I have accepted several partial settlements today and hope I can get advice if needed?

 

Thanks for a fantastic source of info.

 

I'm spreading the word about this site, my business bank manager was stuck for words when I told Her I was claiming back all the charges on my account, I told Her every move Lloyds would make, what the letters would say and most likely who would sign them..........She laughed and said you seem extremely well informed?

 

What a great feeling

 

Roscodog

[GaryH]

Hi Roscodo,

 

Great result, well done:) . Thanks for posting details, stories such as yours are a great inspiration for others, particularly newbies. As you say though, don't expect the others to pay up quite so quick - they all pay up eventually, but some prefur to kick and scream a bit first! Lloyds are a prime example.