MBNA credit cards (merged)

cwells2

Credit Card Charges
I calculated my unlawful charges on two credit cards with MBNA as £1295.05 including interest and sent the first letter requesting full payment. I received an offer of £310 against one account and £110 against the second. I sent the second phase letter requesting payment of the full amount with the 14 days reply period.

In the mean time, I have received a cheque for £310 and had £110 credited to one my Credit Card account.

What is my best course of action now?

Thanks for any advice.

Chris

Stephen_Leak

cwells2 wrote: »

Credit Card Charges
I calculated my unlawful charges on two credit cards with MBNA as £1295.05 including interest and sent the first letter requesting full payment. I received an offer of £310 against one account and £110 against the second. I sent the second phase letter requesting payment of the full amount with the 14 days reply period.

In the mean time, I have received a cheque for £310 and had £110 credited to one my Credit Card account.

What is my best course of action now?

Thanks for any advice.

Chris

Write back to the bank, politely accepting them as "part payments without prejudice". Continue your claims for the balance.

cwells2

Thanks for the response. I'll give that a go.

JASONB_3

Hi on tue i got a letter off mbna offering me £380 dated 28th! (they owe £1015) as a goodwill gesture usual thing really sent them a reply on friday sayin no but i would accept as part payment ect ect.

Today i got another letter offering me £379????? dated 3rd july, they will not of recieved my letter as not posted till late friday so what they playin at????

Anyone else had this?????:mad:???

Knackered

I wrote to sent my statements and highlighted charges back to MBNA on 8th June and gave them 14 days to respond. After a month they still haven't, so I wrote again to say I expect the full claim to be settled within the next week or I will register the case with MCOL.

Sensible course of action?

Knackered

Yay or nay?

sammyannie

I'm giving MBNA until tomorrow to respond to my letter accepting £250 as part payment for my total claim of £551. I did say that I would be happy to settle for £500 to avoid legal action but that if I didn't hear anything I would proceed. I have decided not to cash the £250 cheque for now and have just put it in a safe place.
When completing the MCOL form do I claim for the full amount of £551 or the remainder of £301. I assume it should be for £301 but wanted to be sure.

natweststaffmember

the amount oustanding is the amount you claim

Knackered

Well I've sent it anyway. Didn't want to give them another 14 days. They've had long enough as it is.

LozBingley

sammyannie wrote: »

I'm giving MBNA until tomorrow to respond to my letter accepting £250 as part payment for my total claim of £551. I did say that I would be happy to settle for £500 to avoid legal action but that if I didn't hear anything I would proceed. I have decided not to cash the £250 cheque for now and have just put it in a safe place.
When completing the MCOL form do I claim for the full amount of £551 or the remainder of £301. I assume it should be for £301 but wanted to be sure.

The amount of the claim is £551 plus interest
The £250 is declared later as part payment of the full amount