MBNA credit cards (merged)

fiveyearplan

Keep posting Knackered. We are reading. I want to claim for mine and OH's 3 MBNA cards (balances totalling £17k). I've looked at my past statements and they have credited us with some of the charges just by us asking for them. I know they are horrible to deal with and cause me sooooo much stress. We are in the process of making a payment plan with them and they just don't get it that we cannot pay the amounts they are asking for. Also, they keep playing bad cop/good cop - they threaten to sell off the debt one day then write to say 'we really want to help you' blah blah blah.

Sorry for the rant but do let us know how you get on cause it makes me feel better knowing that I'm not the only one out here who has problems with them. Good luck.

FRANCES_3

<TABLE id=HB_Mail_Container height="100%" cellSpacing=0 cellPadding=0 width="100%" border=0 UNSELECTABLE="on"><TBODY><TR height="100%" width="100%" UNSELECTABLE="on"><TD id=HB_Focus_Element vAlign=top width="100%" background="" height=250 UNSELECTABLE="off">HI I KNOW WHAT YOU MEAN ABOUTPOSTS FOR MBNA I KEPT LOOKING FOR SOME FOR SUPPORT BUT DIDNT SEE MANY, SO I THOUGHT I BETTER TELL YOU HOW I WENT ON.
FOLLOWED MARTINS INSTRUCTIONS WITH THE LETTERS MBNA SENT ME A CHEQUE AS GOODWILL PAYMENT FOR £310 WAS CLAIMING 724 PLUS INTEREST SOMETHING LIKE £826 ACCEPTED IT AS PART PAYMENT ONLY THEN USED £80 FOR MCOL CLAIMING £906 IN TOTAL WAS ABSOLUTELY PETRIFIED WHEN I FILED THE CLAIM WAITED FOR THAT LAST DAY FOR THEM TO PUT IN A DEFENCE AND RIGHT AT THE END OF THE DAY THEY PUT IN A DEFENCE i WAS GUTTED, I WENT TO BED THAT NIGHT WORRIED SICK AS I NEEDED MONEY BADLY FOR BILLS- ANYWAY I COULDNT BELIEVE IT THE NEXT MORNING A CHEQUE FOR THE OTHER £606 CAME THROUGH THE DOOR DATED THE DAY THEY PUT IN THEIR DEFENCE, IF IT HADNT COME THAT DAY I PROBABLY WOULD HAVE HAD A MENTAL BREAKDOWN SO THANK YOU VERY VERY MUCH TO MARTIN AND ALL OF YOU ON THIS SITE AS I COULDNT HAVE DONE THIS WITHOUT YOUR HELP AND SUPPORT
SO IF I CAN DO IT ANYBODY CAN SO GO FOR THE LOT AND KEEP ADDING FEEDBACK OF HOW YOU ARE DOING BECAUSE THAT ENCOURAGES ALL OF US
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</TD></TR></TBODY></TABLE>tHANKS AGAIN EVERYBODY :rotfl: :j :beer:

Knackered

MBNA were complete a***holes when I owed them money, constantly hassling me and threatening me with court action/ bailiffs etc.

Now the shoe is on the other foot and I fail to see why I - or any of us - should show them any mercy.

In any case, they've got until 4th Sept to reply to my MCOL application. To be honest I wouldn't be too bothered if it did go to court as it would net me an extra £200 holiday money!

Frances, did you get your court fees back or just what they still owed you?

fiveyearplan

MBNA have been by far the worst when it comes to hassling and threatening. I agree - no mercy should be shown.

FRANCES_3

Knackered wrote: »

MBNA were complete a***holes when I owed them money, constantly hassling me and threatening me with court action/ bailiffs etc.

Now the shoe is on the other foot and I fail to see why I - or any of us - should show them any mercy.

In any case, they've got until 4th Sept to reply to my MCOL application. To be honest I wouldn't be too bothered if it did go to court as it would net me an extra £200 holiday money!

Frances, did you get your court fees back or just what they still owed you?

yes I got my court costs back

FRANCES_3

<TABLE id=HB_Mail_Container height="100%" cellSpacing=0 cellPadding=0 width="100%" border=0 UNSELECTABLE="on"><TBODY><TR height="100%" width="100%" UNSELECTABLE="on"><TD id=HB_Focus_Element vAlign=top width="100%" background="" height=250 UNSELECTABLE="off">Hi Knackered as I said I got the court costs back, YOU are right about them and thats why I went for it all, after a snotty woman spoke down to me on the phone, I had paid my balance off over £1000 with the help of a remortgage and they withdrew the cash limit straight away, I know it was wrong but I was hoping to have the limit there again as back up any way she said "well where did you get the money from to pay it off it must have been a loan or something, so anyway I accepted £310 as partpayment only and claimed for the rest which was £926 in total - £726+ interest+ £80 mcol, I bet they had wished that they had lent me another £1000 instead and I always remember somebody in the know saying "Trust me they willgive you 100% in the end so go for it and Good luck ,I`m sure you will win in the end. :j
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HomeJames_3

Ive been sent a letter offering me a goodwill gesture of £138 total claimed £306 the letter was dated 30 July and cheque was due within 10 days no sign of cheque which i was going to take. Ive phoned 3 times and keep getting fobbed off what do you think? send the next letter demanding the full amout? has anyone else not received the cheque offered?

doublej_3

Hi ppl
i cliamed against mbna and got it all back although i had to file a court claim. The day i got my court papers I got a cheque off them for the rest of the money they owed me.

But on the 14th August i received another letter saying that further to my complaint they are sending a cheque for £498 as a goodwill gesture. But they dont actually owe me this money. They must know they've paid me.

Has anyone else has this experience and are do they now have to pay me this money. They said ten working days from date of this letter and its now on the eleventh day, should i ring them or wait a bit longer and see what they say.

Knackered

Well! They've got until tomorrow (4th Sept) to reply then it's game over time! If they don't respond do I just go straight ahead with The Judgement side of things and claim everything?

Am I more likely to have them defend the claim at the last second and send the cheque for what they owe me?

Why do they leave it so late if they intend to pay up?

Knackered

Can I start The Judgement tomorrow or is it a case of giving them 14 FULL days to respond - in other words I wouldn't be able to start The Judgement until Wednesday if I didn't hear from them....?