MBNA credit cards (merged)

fiveyearplan

I want to start claiming charges from my credit cards (3 MBNA for a start!) Do you use the same template and interest calculator as bank charges? What is MCOL and it is useful to start that route in the first place?

Any advice gratefully received.

fiveyearplan

BTW - forgot to mention I am currently 2-3 months in arrears on my account. Will this make a difference?

borgbaiter

Knackered wrote: »

Before they sent me the partial offer, MBNA owed me £645 + £149 in interest giving a total of £794. Now that I am proceeding with MCOL and have to claim an exact amount from MBNA, do I just take the £321 from the £794?

If the amount is wrong, surely MBNA will contest it?

in short yes. but your entitled to further interest. what date did you originally calculate the £794 and what date did they pay the £321. let me know and ill do the sums for you.


borgbaiter

Knackered

I worked the interest out a couple of months ago using the calculator on the site which involved inputting the dates and amounts of each individual charge MBNA applied to my account.

They paid me £321 at the end of last month (25th I think it was).

Cheers

borgbaiter

Knackered wrote: »

I worked the interest out a couple of months ago using the calculator on the site which involved inputting the dates and amounts of each individual charge MBNA applied to my account.

They paid me £321 at the end of last month (25th I think it was).

Cheers

need the actual dates to work out the interest. when i used the calculator off here it printed the date on the bottom line of the printout.

Knackered

Here's a scrgeen-grab of the interest calculated at when they still owed me £645. Hope it's helpful.

Thanks a lot...

Knackered

MCOL begun! If this is £50 down the drain I'll be furious and not particularly surprised.

Still, it takes money to make money, eh....

Knackered

Anyone else claiming off MBNA these days or am I on my todd?

Do they still crumble like a sandcastle when the papers from the courts drop through their door?

Knackered

There's so much warmth coming from you guys I think I'm going to combust.

If I can be really bothered I might let you know how I go on with this.

johnnynonails

Knackered wrote: »

There's so much warmth coming from you guys I think I'm going to combust.

If I can be really bothered I might let you know how I go on with this.

hi knack, ive just been sat reading posts of mbna didnt have much to write as the mo but i wrote and asked for £1750 got a good will jesture of £690 , got a letter this morning saying cos i was 2 months in arrears they were going to take that of wot i owe them as well but that still leaves about £800 quid short , but i just aint got the court fees till the end of the month did 2 last month which cost £200 , so having to wait to do the next 2 if u can be bothered lol keep posting cos i read them just havent got any info to give any 1 , ive only won me cap 1 , that was a piece of cake but i cant see the others going that way , but keep going jill