MBNA delay tactics

shayshay

MBNA have received there letter stating how much I am looking to claim back and had the 14 days to respond. I receive a letter today from them saying they were looking into my claim and would respond by the 21st Feb, even though the 14 days they had to respond was up today, so should I just move on with the claim as normal with my intention to go to court as they just seem to be stalling?

oscar52

shayshay wrote: »

MBNA have received there letter stating how much I am looking to claim back and had the 14 days to respond. I receive a letter today from them saying they were looking into my claim and would respond by the 21st Feb, even though the 14 days they had to respond was up today, so should I just move on with the claim as normal with my intention to go to court as they just seem to be stalling?

Where do you get 14 days from? Was this a deadline set by you?

MBNA have 28 days to respond to any complaint initially, and a further 28 days after if needed.

You are unable to progress your claim to FOS until this eight weeks is up, as you haven't given the company chance to respond.

shayshay

I thought I was going mad, so I checked and...........

No not set by me, it says 14 days on the letter which is on these forums. I just copy and paste what is put before me.

Step 3. Writing to the lender (14 days to respond)

Does this mean that the 14 days as per the template is wrong or no one knows the answer?lol

oscar52

I would give it a little longer - I never stated this in my first post, but I work for MBNA - complaints regarding default charges rarely take 28 days - I think they are currently responding in 22.

Premier_2

They did respond with the 14 days you requested, although admittedly perhaps not the full response you were hoping for. They have promised a full response within 14 days of today.

You should make all reasonable endeavours to negotiate an amicable resolution to any dispute before considering a court claim. If you don't, it may affect your award of costs even if you were to eventually win any court claim.

natweststaffmember

Just to add to premier and oscar's post, the templates are based on you taking the case to county court which means that you will have complied with pre action protocols.

shayshay

MBNA have sent a cheque for both accounts, however this is just for the difference between the amount and the £12.

What should I do now? Say thank you but you forget to add on the 8% interest which is XYZ so please forward me a cheque for that amount or go for the full amount saying, thank you however their is XYZ outstanding from my total initial claim?

natweststaffmember

shayshay wrote: »

MBNA have sent a cheque for both accounts, however this is just for the difference between the amount and the £12.

What should I do now? Say thank you but you forget to add on the 8% interest which is XYZ so please forward me a cheque for that amount or go for the full amount saying, thank you however their is XYZ outstanding from my total initial claim?

Your choice as to what to do, you can fight for the amount outstanding or accept the cheque and bank it.

Premier_2

shayshay wrote: »

MBNA have sent a cheque for both accounts, however this is just for the difference between the amount and the £12.

What should I do now? Say thank you but you forget to add on the 8% interest which is XYZ so please forward me a cheque for that amount or go for the full amount saying, thank you however their is XYZ outstanding from my total initial claim?

According to Martin's article on reclaiming credit card charges:

It makes a partial offer
There is a chance it’ll offer some of the money you want. If you have asked for the full refund this may be the difference between the fee and the £12 OFT recommendation. Whatever it offers, you need to decide whether it’s worth continuing or just taking the cash

http://www.moneysavingexpert.com/reclaim/credit-card-charges

Of course, entirely up to you as to whether you follow his guide. As it says at the bottom of every page:

This website is based on journalistic research. It does not constitute financial advice. Any information should be considered in regard to specific circumstances. All tips are followed at your own risk and should be followed up with your own research

oscar52

Bank it / them, write to them accepting it as part payment and request the rest. MBNA always settle in full ...... take it from someone who works there - ME!:D

shayshay

Sounds worth trying. Is there a template for following up a part settlement offer or just follow in the same vain as before?