MadMax V Abbey Credit Card (MBNA) **WON**

[madmaxctr]

Hi All,

Sent off my SAR about a fortnight ago and received a letter saying they are currently investigating my complaint and I’ll have a response by the 2nd July.

Is this normal? Would have thought they'd investigate it after I had made my initial request for reimbursement (once I’ve got the statements).

Do MBNA/Abbey ever make a nominal offer before sensing out the statements?

Ta

MadMax

[wednesday1867]

Im not sure if youll get statements, seems a few lately get a list of transcations, with transaction codes, im trying to get copies of my statements as we speak

 

Also seems you will get an offer or "goodwill gesture" when the transactions arrive, mine offer was £780, added charges up, came to £1700, they may get the offer from the OFT guideline £12 off their charge of £25, but not too sure.

 

Good luck and keep us upto date

[standingupformyself]

Send off for a CCA as well..... MBNA are a slippery bunch, as my mate Wednesday (above) will tell you!

How long have you had the account?

[wednesday1867]

Send off for a CCA as well..... MBNA are a slippery bunch, as my mate Wednesday (above) will tell you!

How long have you had the account?

 

 

Certainly are

 

Will be even more sweeter, when i see my balance is zero and im banking a cheque from MBNA

[madmaxctr]

Thanks for the response guys.

 

Sorry i'm a bit new to this. Whats a CCA??

 

The credit card accout is all settled (nil balance) and was closed off about a year ago. Had had it for 2-3 years before then so still well within limitations.

 

Pretty sure i had been charged quite a lot by these guys so will interesting to see how much it adds up.

 

I've got a feeling there they and palm me off with a low offer before they send me the statements.

 

We'll see after the 2nd of July.

 

Max

[Josie8]

You can only request a CCA if the account is still open. Doesn't stop you doing a SAR though

[madmaxctr]

Need some help please guys/gals.

Okay I finally received my statements/transaction reports from MBNA along with a covering letter stating why they disagree that the charges are unlawful but there still prepared to offer £250. My claim is worth £475 in total.

 

It states this will be on full and final settlement and cheque will be with me in the next 10 working days.

 

I want to continue my claim form the remaining amount but I’m scared that if I fire out a rejection letter that they won’t send me the cheque.

 

So should I wait until I get the £250 cheque before I chase the remaining amount?

 

MadMaxCTR

[madmaxctr]

bumpy bumpy

[madmaxctr]

Okay,

Didn't get a response to me question but I’ve sent a 'partial rejection letter' to MBNA rejecting the £250 gesture of goodwill offer, also stating I’ll take it as an interim,

BUT I haven't actually received the cheque yet. Do you think they'll still send it?

[madmaxctr]

updated title (post whoring)

[LS123]

They still send mine - but I had to send it back as the wording on my letter was full and final settlement etc and I had already filed MCOL.

 

Have a read of the rejection letters thread

[madmaxctr]

Received the cheque for £250 yesterday.

[madmaxctr]

Need some help please?

I'm seen about this contractual interest we can claim on these credit card claims but firstly how much is it for this card and has anyone got a linky to explain a bit more about it and finally anyone got a MBNA spreadsheet for doing this.

Ta

MadMaxCTR

[standingupformyself]

Hiya Madmax,

sorry you didnt get any help earlier in your thread. You did the right thing accepting the amount as partial settlement...

You don't need a MBNA spreadsheet, just go to the templates and open a credit card spreadsheet... the simple one I think I used.

You can tell what interest rate to use from your statements, its the monthly rate x 12.... for a lot of us it is 24.9%

 

Keep in touch xx

[madmaxctr]

Cheers Standingupformyself,

 

Prob is this card is long closed off and i don't have any statements. MBNA sent me a list of transactions instead.

 

I'll have to use your interest rate instead. hehehe.

 

Ta for the help.

[standingupformyself]

Yes, do 24.9% I have read somewhere that there are some people who have negotiated settlements on the phone with MBNA, and even their staff use 24.9%, nothing to loose, so go for it xx

[madmaxctr]

Can anyone help me and give me the phone/email address for thatr Colin Pugh chap who seems to settle everyone's claim?

 

Ta in advance.

[standingupformyself]

its easy!!!! everyone with Abbey has emails that are relevant to their name..

 

 

firstname.surname@Abbey.com

 

so yours would be mad.maxctr@Abbey.com

 

Does that make sense!! xx

[madmaxctr]

No response to LBA.

 

Emailed our 'friend' of CAG, good ol' Colin Pugh but even Colin hasn't replied

[madmaxctr]

Received a further letter from Shabby Bank on Saturday.

 

Further goodwill payment of £210 is on the way. So thats full settlement bar £15 (250 + 210 = £460)

[madmaxctr]

I'm not going to pursue the outstanding £15

 

Got bigger fish to fry (CapOne, Sainsbury's C/card £50 , Mint £20

 

Mods please change title to *****WON* and move me please.

 

Ta

 

MadMaxCTR8)

[zootscoot]

Mods please change title to *****WON* and move me please.

 

Certainly sir

 

Don't forget the survey.

 

CONGRATULATIONS

:D

[madmaxctr]

Money in the bank

[madmaxctr]

money in the bank

[standingupformyself]

wonderful Madmax... congratulations xxxxxxxxxxxxxxxxxxxxxxxx