Bank Charges - illegal?

homer_j_3

Well that was a speedy response from MBNA.. Got my statements this morning, got a total of my charges and interest and are about to send them the letter giving them 14 days notice to pay or we are off to court.. 1 question though.. I am going to be clearing the balance and closing the card down within the next 14 days - am I best to wait until that all goes through before proceeding in case they try and put something on my credit file or should I just steam ahead.

dchurch24

There is nothing they can put on your credit file - if the card is cleared, then there can be no arrears. I would steam ahead. You have nothing to lose as long as if a payment date is due you at least pay the minimum before you clear the whole thing down.

homer_j_3

can we ask for the 8% charge if they pay up before going to court?

dchurch24

Yes, if they have refused to give the money back within the time limit you set them in your initial letter.

homer_j_3

What involvement do you have with the BAG?

davilown

I am going to use the afore mentioned letter to barclays - has anyone had any experience with them yet?

cheers

beer monster

Turning_into_scrooge

I have just sent off a copy of Daves letter, Thank you Dave, via email to LloydsTsb so fingers crossed and watch this space, i will update as and when.

dchurch24

homer_j wrote:

What involvement do you have with the BAG?

Why do you ask?

Turning_into_scrooge

Turning_into_scrooge wrote:

I have just sent off a copy of Daves letter, Thank you Dave, via email to LloydsTsb so fingers crossed and watch this space, i will update as and when.

Received this back within the last 5 mins.

Thank you for the e-mail, which has been passed to this office by the On-line Helpdesk.
I am sorry to learn that you are unhappy over the level of charges you have incurred on your Lloyds TSB account.

Under the circumstances, your e-mail has been passed on to the Manager of the Complaints Unit within Customer Care. I have asked that he notes your comments and issues raised and for a response to be sent you at the earliest opportunity.

Regards

Keith Boden
Lloyds TSB - Customer Care
Birmingham

homer_j_3

dchurch24 wrote:

Why do you ask?

I want to try and help raise the profile of the group and have a few ideas that may help, if you want it that is..