MBNA credit cards (merged)

smudgemanc26

Well I wrote to MBNA listing all my charges and asking for my money back which i calculated off every single statement i kept so i had no need to ask them to send me my statements but got a letter back yesterday from someone who deals with subject access requests saying thank you for your request (didnt request my statements!) and please find enclosed list of charges! Whats that all about?!

Think they are getting slightly confused so I am ignoring this letter and proceeding on!

Has anyone else got a response like this when they didnt even ask for their statements?

skintscouser

currentmember wrote: »

Greetings people

MBNA are extremely snowed under - getting around 300-400 letters a day concerning fees. Stick with it and claim everything, they will pay, they wont go to court. Trust me. Dont ask me questions on how i know (cos then I'd have to lie), but at present, I can gurantee MBNA will refund 100% of a genuine claim - ie dont try to claim £2000 when they owe you £20:rotfl: But if they owe you £500 - you will eventually get £500. It is a little slow there, but is getting better

absolutely! just got mine. 100%. ty

skintscouser

Knackered wrote: »

I got my SAR back from MBNA yesterday and did a quick calculation that they owe me £600 in fees of £20 and £25 for overlimit/ late charges. Do I claim the entire amount or do I have to "let" them have £12 of it?

MBNA seem suspiciously accommodating with these requests. They didn't even cash the £10 cheque I sent them. Maybe they know they haven't got a leg to stand on?

claim the entire amount.

skintscouser

wintye wrote: »

Hi

I am just starting to claim for my charges. I am now being charged £12 for my charges but would also like to claim these back. Could you possibly message me a copy of your letter declingin settlement and asking for full payment of charges.

Thank you
Claire

hi Claire. I Have PM'd you with the text. Claim it all back including the £12's. As Martin Lewis states on here even that is still really too much. Good luck

naitch1980

And they settled within the 28 days of the Moneyclaim forms being issued to them. So in a nutshell, stand firm and persevere anyone who goes after them!

Welshdog_2

Does anyone know if it's possible to stil lreclaim bank charges if you are currently overdrawn???

naitch1980

Pnawn da Cwn Cymraeg!
Yes, it is. The risk is that the bank/card immediately request that you repay what you owe them, but if the charges are enough to cover that, don't worry about it.

Take Martins advice though and set up a back up account with anothe bank just in case.

amysmummy

I have a huge overdraft with Natwest, and I still was able to claim over £2000 fees. They paid up and I have not had to close my account nor even pay off the overdraft yet (I've chosen to pay the credit card balance first)

northern5

Hi,

I got fined by MBNA for £12 recently. I rang up to ask for this charge to be removed .. ( i hardly ever use the card, I spent £5 and the payment was a day late because of the bank holidays).

They gave me back half.. I thought that was a bit harsh so I asked for the account to be closed straight away.

They are now threatening me with legal action for £6.23 (as they are adding interest!).

Should I ignore or should I pay and then claim it back. I know its only £6 but I'm a student and its the principle!!!!!!

Thanks Ben

Stephen_Leak

northern5 wrote: »

Hi,

I got fined by MBNA for £12 recently. I rang up to ask for this charge to be removed .. ( i hardly ever use the card, I spent £5 and the payment was a day late because of the bank holidays).

They gave me back half.. I thought that was a bit harsh so I asked for the account to be closed straight away.

They are now threatening me with legal action for £6.23 (as they are adding interest!).

Should I ignore or should I pay and then claim it back. I know its only £6 but I'm a student and its the principle!!!!!!

Thanks Ben

Even for half of just one £12 charge, I have to say that its worth a try. Who knows, you could also end up with the MSE record for the smallest amount reclaimed!

I would recommend paying the account off first. It stops any possible counter-claims and gives you the "moral high ground".

The Office of Fair Trading’s figure of £12 is still “extravagantly” higher than the cost of automatically administering a late payment and therefore unlawful. All that happens is that the credit card company’s computer adds the charge to your account. I didn't even get a standard letter. You can use the bank charge letter templates with a little bit of customisation. The credit card companies will try to use the OFT ruling as justification that the charges as correct.

Unfortunately, the Financial Ombudsman will only request the difference between the current £12 charge and any older and higher charges so is not an alternative to court proceedings for these claims.

Make it clear that you accepted the £6 as a part payment and "without prejudice".

The one advantage with claims for such low amounts is that is even less cost-effective for the bank or credit card company not to settle. If you do have to issue a court claim, they immediately owe you an extra £30.

Please read the Reclaim Bank Charges Help thread for information and the Reclaimed Bank Charges Success Stories and Reclaimed Bank Charges Success Stories II threads for inspiration.