Admin Error from MBNA cost me mortgage

noh

amat_endura wrote: »

Ok, a few points:

1) There were no payments set up on the card, as it was used for balance transfers only
2) Regardless, it should not be possible to charge a closed card surely?
3) It is not just a case of us getting a mortgage from a different provider and all's well that ends well

We have ended up with more debt and a more expensive mortgage purely due to poor practice and systems at MBNA. They have admitted this. The £25 has been credited to my current Virgin card and will not be spent as I am aware that this may construe acceptance of compensation.

We don't want a huge payout, but do feel very agreived that this has cost us thousands and should not have been possible to happen. We just wanted to hear from the forum from any people who may have been treated in the same way, who they complained to and how they dealt with it.

We also feel that this kind of behaviour needs to be made public so that word spreads. Who knows - eventually the banks/ card providers may one day actually change for the better.

Just to be clear where did the £8 charge to the card come from.
Was it mistakenly charged to your card or a fraudulent transaction ?

It is possible to charge a closed account as you have found out.

It's still not clear what went wrong.

amat_endura

cifpower wrote: »

Are you definitely sure the account was closed? Is it marked as "settled" on your credit file?

this account was closed properly in 2004 - MBNA have confirmed this. They then allowed a charge to be put against the card in 2007 three years later at an airport, which I have never been to.

Alias_Omega

So the £8 has been settled,but now you want it removed from your credit report.

How about you return to the first mortgage lender and explain what you have found, and try again. This time you have the evidence.

jonesMUFCforever

Did the building society that turned you down confirm in writing the reason for declining you?

oscar52

wrangler5 wrote: »

Continuous would be monthly or yearly, not 3 years after the account was closed.

Card protection can be for a 1 year or three year policy