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ArohemQ vs. MBNA


arohemq
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Have all statements since account opened in 2002 so did not need to request them. Account closed off by myself in late 2003.

Claiming default charges of £380.00 (none beyond 6 years).

Plus s69 Statutory Interest as at 28/04/07 of £132.11.

 

04/03/07 1st Letter sent.

19/03/07 MBNA acknowledged receipt.

05/04/07 MBNA Goodwill gesture, offer of £160. Sends along a cheque too.

20/04/07 Rejected offer, sent 2nd Letter. Do not cash cheque.

 

I am also seeking default charges from :

  • Barclaycard: £140 + s69 £48.72
  • Barclays Bank: £855 + s69 £334.02
  • American Ex: £270 + s69 £94.68
  • Halifax: £165 + s69 £60.40

Barclays Bank: £855 + £334.02% . 1st Offer:£605-Rejected.No 2nd Offer. Will require courts.

Barclaycard: £140 + £48.72% . 1st Offer:£56 -Rejected.No 2nd offer. Will require courts.

Amex: £270 + £94.68%. 1st Offer:£0 ! -Rejected. 2nd offer £179.17 (£135 +£44.17%)-Rejected.

Halifax: £165 + £60.40% . 1st Offer:£82.50-Rejected. 2nd-Offer £165-Full Settlement, no%...- ACCEPTED:-D No court action involved.

MBNA:£380 + £131.44% . 1st Offer:£160 -Rejected. 2nd Offer:£511.44! Full Settlement + 8% - ACCEPTED:D No court action involved.

 

Convinced friend to start: He has accepted 90% settlement of £2000: £1800, from HSBC!

Pushing 3 more people to kick off their claims, including my brother. Assisting them by pointing them here!

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  • 1 month later...

SUCCESS !:D

 

04/03/07 1st Letter sent.

19/03/07 MBNA acknowledged receipt.

05/04/07 MBNA Goodwill gesture, offer of £160. Sends along a cheque too.

20/04/07 Rejected offer, sent 2nd Letter. Do not cash cheque.

30/05/07 2nd MBNA Goodwill gesture, additional £351.44! FULL SETTLEMENT plus 8% STATUTORY INTEREST!

 

There is a descrepancy of pennies in the final amount...67p :p meh, I'll let them have it ;). I've cashed in 1st cheque and await the arrival of the 2nd.

Note it took them 40 days after my 2nd rejection to come back with the final settlement offer.

 

:cool:...this is without going to court.

Barclays Bank: £855 + £334.02% . 1st Offer:£605-Rejected.No 2nd Offer. Will require courts.

Barclaycard: £140 + £48.72% . 1st Offer:£56 -Rejected.No 2nd offer. Will require courts.

Amex: £270 + £94.68%. 1st Offer:£0 ! -Rejected. 2nd offer £179.17 (£135 +£44.17%)-Rejected.

Halifax: £165 + £60.40% . 1st Offer:£82.50-Rejected. 2nd-Offer £165-Full Settlement, no%...- ACCEPTED:-D No court action involved.

MBNA:£380 + £131.44% . 1st Offer:£160 -Rejected. 2nd Offer:£511.44! Full Settlement + 8% - ACCEPTED:D No court action involved.

 

Convinced friend to start: He has accepted 90% settlement of £2000: £1800, from HSBC!

Pushing 3 more people to kick off their claims, including my brother. Assisting them by pointing them here!

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