MBNA - Reclaming Charges

Dingmatt

Hi everyone,

I'm looking for some advice over a issue i'm currently having with MBNA, it started in february when i missed a card payment due to absent mindedness.
In order for it not to happen againg i called up MBNA's customer services (CS) line and got a direct debit set up for the minimum payment, which i got told would included any interest, charges and a balance insurance premium (important to note); now happy I had sorted the account untill i had some spare income to start paying it off I left it to manage itself.

Unfortunatly it seems the CS representative i dealt with was an idiot and unnoticed to me a late payment charge wasn't included in the direct debit payment, five months later that charge had mutiplied to about £60 plus interest and had pushed my card over its limit (more specifically because i hadn't noticed the charges i spend £20 on fuel and this had placed the card over the limit). Once i did notice i called their CS line to ask why these charges hadn't just been paid off by the direct debit only to be told 'that the minimum payment didn't work that way' and 'i had been misinformed by the previous representative.

After wrestling with there CS for 20 minutes or so i gave in and agreed to pay a lump sum to bring my account under its credit limit; i was told this sum would include any interest / charges so my next statement would show me as being below my credit limit.

Again i though the issue settled but i recieved my statement today and on it is my lump sum, my minimum payment and a new charge which puts my account £17 over my credit limit; it going to start all over again.

Now i'm getting sick and tired of MBNA's CS representatives lying to me (or being idiots) and being left with the bill, all i've been trying to do is stablise the account so i can start to pay it off; but if feel life there CS department it sabotaging me at every opportunity.

Is there anything i can do to finally sort this out? (apart from forking over more money to this bottomless pit), any advice would be appreciated.

Matt

natweststaffmember

Write to them and explain what you have written and ask them for a resolution that you would be happy with

Dingmatt

Thats what i was considering, its good to confirm i'm thinking along the right track.

Thanks for the input.

jos004

Dingmatt, did you incur any credit insurance or finance charges from MBNA? Thanks.

Dingmatt

The only charges i've incurred so far is the £12 pm charge for being over my credit limit.