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MBNA Settled - LEGAL(ish) advice needed...


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Thanks for looking in...

 

Im gonna keep this short & sweet.

 

I owed money on my MBNA credit card. They owed me more in charges than i owed them. (this account had been passed to a DCA, but when i wrote to the DCA, MBNA took charge of the account again.)

 

e.g. I owed them £2000, they owed me £3,500 in charges.

 

MBNA settled my charges in full last year.

 

They paid the £3500 and made no mention of the £2,000 i owed them.

 

The thing is, can they ask for the original £2000 back again & would i have to pay them, even though the majority of the £2000 is charges (even though they have paid them back)?

 

Phew...

 

Sorry if thats confusing... :lol:

Happiness is not in the mere possession of money; it lies in the joy of achievement, in the thrill of creative effort.

 

Franklin D. Roosevelt

 

 

 

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Yes they paid by cheque. Would this make any difference?

 

The money they require back is made up mostly of charges, i was thinking that although they have paid me they still cant demand back unlawful charges... Do you see where im coming from?? Or is it a load of BS?

lol

 

anyone else have any opinion, or has it happened to anyone else, im sure im not the only one lol

 

Cheers & thanks for the reply ;)

Happiness is not in the mere possession of money; it lies in the joy of achievement, in the thrill of creative effort.

 

Franklin D. Roosevelt

 

 

 

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Well, that why i need to find out if anyone is in the same position or knows anything lawish about this. Surely weather they have refunded the charges or not, they still cant ask for unfair charges to be paid back as they are deemed unfair in law.

 

Hope someone can help.

 

Cheers dudes.

Happiness is not in the mere possession of money; it lies in the joy of achievement, in the thrill of creative effort.

 

Franklin D. Roosevelt

 

 

 

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