adl999 vs MBNA

[adl999]

I held an MBNA 'Advantage' credit card from around 1998 - 2001. I've just dug out some of my old statements and have found a number of 'late charges' that were applied to the account (around £120 from the statements I've got, but probably a lot more as I only have a fraction of the total statements to hand!). I've decided to pursue them to get these refunded. I'm sending the first letter tomorrow and will update this thread with my progress!

[androobe]

Good luck! (don't think you'll need it though)

[paulo Saolo]

Good luck adle999

 

I shall have to pay particular interest to your progress as I'm also planning to claw back some cash from MBNA beginning this weekend.

[adl999]

Thanks Androobe / Paulo.

 

Not heard anything yet, but less than a week gone by...

 

Will post as I hear something... Still not quite sure about the charges that are over 6 yrs old - any one had any luck with MBNA for these?

[roydosan]

Regarding charges going back longer than six years - this should be ok but you will need to read the Limitations Act 1980 - I think it's section 3.

[adl999]

Got a reply yesterday - 40 days exactly from my original SAR. Unfortunately they have given me the information for an account I opened with them in 2005 on which there were no charges. I requested the info for an account I had from 2000 - 2003 on which I know there were numerous charges! Strongly worded response going to them tomorrow... One question though - how long should I give them to supply the info on the old account?

[iwannabedebtfree]

they should have sent you all data they held on you if it was that you stated in your SAR that you want all data held on you. If you were specific as you say and you wanted information from 2000-2003, i would send them a non-compliance letter they are in the templates section, as they are out of time i would be mindful to give them 7 days to get all the information to you or you will get a court order for the info etc

[adl999]

Seny them my reply giving them 7 days to supply the info on the correct account on the 2nd Jan - letter signed for by them on the 4th.

 

I have been quite busy so unable to chase them up, but not received a reply yet (today is 23rd Jan). According to their first letter they did not treat my request as an SAR, so presumably they are trying to get around the 40 day DPA rule? Should I just keep writing to them badgering them for the information, or should I go ahead and start court action to get the information. Am reluctant to do the latter as they do seem to settle quite readily and don't want to antagonise them!

[adl999]

Bit of an update: Got a reply with details of one late charge of £18 from within the last 6 years. I replied with copies of statements showing further charges from 1997 to 2001, claiming over £750 (10 charges at £18 and over £500 in interest at 22.9% APR).

 

After a lot of waiting, finally got a reply to my claim last week - their 'Goodwill' offer... £18 Got a cheque for said amount the same day. Presumably they are ignoring any charges over 6 years back - has anyone else had any joy with these sort of claims with MBNA?