MBNA only wants you money, not your business

tomsco

If you had cancelled the DD with MBNA with plenty of time, they confirmed this and they still took the DD/refused to refund any fee, than yes, we would be on your side.

As it stands, MBNA have complied with the T&C's that *you* agreed to. Why should MBNA get a bad rep just because you don't know how DD's/credit cards work?

MrBored

The dd is not the point, the point is they refuse to refund the dd returned charge. The balance was 0, there wasn't enough time to cancel the dd and I didn't want them taking my money.

They weren't owed any money, yet they have fined me because they wanted to take money that didn't belong to them. How is this not clear? How are they reasonable in keeping the dd returned charge??

bigadaj

YOu seem to fail to grasp the point that is being made here, which is you need to follow the rules. MBNA have the right to take the DD unless you cancel with them at least three or four days before the due date.

MBNA could refund this as a goodwill gesture but probably won't, I cancelled a card with them last year after their manual inputting error led to charges, took three or four phone calls to resolve. MY complaint then was treated poorly until I escalated it, at which time they were all apologies when the regulator fee/ penalty looms. Ended up with twenty five pounds compensation, though I was more interested in them being penalised than me benefiting, said I want to donate it to charity and would they double it in that case, which they declined as it wasn't thought appropriate.

My experience is that MBNA are worse than average but jot the worst CC provider, and please read the rules in future before you make financial arrangements.

Rupert_Bear

MrBored wrote: »

The dd is not the point, the point is they refuse to refund the dd returned charge. The balance was 0, there wasn't enough time to cancel the dd and I didn't want them taking my money.

They weren't owed any money, yet they have fined me because they wanted to take money that didn't belong to them. How is this not clear? How are they reasonable in keeping the dd returned charge??

It does say on my online statement when the dd will be taken and despite of any additional payment made they dd will still be taken.

As I said if you do not want the dd taken and provided you give them sufficient notice they can stop the dd for that month.

Also I am sure if you had been apologetic they would have refunded the £12.00 fee.

With respect you were the one who caused the problem by not reading what is on the statement.

Can you not now see that!

MrBored

As I first stated, I had closed this account before this happened. I know what it says on the statement, that's why I cancelled the DD, that's why cancelling the DD is something that's within your power, it's the whole point, to give the control to the person who owns the money.

blitzboy

MrBored wrote: »

The dd is not the point, the point is they refuse to refund the dd returned charge. The balance was 0, there wasn't enough time to cancel the dd and I didn't want them taking my money.

They weren't owed any money, yet they have fined me because they wanted to take money that didn't belong to them. How is this not clear? How are they reasonable in keeping the dd returned charge??

I think there is only one person on this thread that is 'not clear' about the situation.

-You had a statement from them saying they will take x amount on x date.

-You didn't tell them that you didn't want this to happen.

-They took the amount agreed.


All you had to do was phone them a week or so before and cancel the DD from their end.

StuC75

MrBored wrote: »

As I first stated, I had closed this account before this happened. I know what it says on the statement, that's why I cancelled the DD, that's why cancelling the DD is something that's within your power, it's the whole point, to give the control to the person who owns the money.

With whom did you cancel the Direct Debit? with MBNA or BANK? If it was just the Bank then that is not good enough if a payment is in progress. The statements do advise what the amount taken will be (also that additional payments made are just that, 'additional' to what the Direct Debit will claim).

I use one for household expenses; the DD takes minimum payment of £25. I make a manual payment at payday for the rest of the balance (less the 25); safe in the knowledge that it will all balance out (piece of mind that payment wont be late either)..

Are you saying that the >£100 was never owed?

Stu

bengal-stripe

MrBored wrote: »

.......there wasn't enough time to cancel the dd........

MrBored wrote: »

........that's why I cancelled the DD......

You are contradicting yourself!

Did you or didn't you cancel the DD with MBNA and was the cancellation accepted (or were you told it was too late)?

Gromitt

MrBored wrote: »

As I first stated, I had closed this account before this happened. I know what it says on the statement, that's why I cancelled the DD, that's why cancelling the DD is something that's within your power, it's the whole point, to give the control to the person who owns the money.

Indeed, but if you cancel a DD without giving sufficient notice, then you are liable to charges, as you have found out.

An easier option would have been to either give at least 7 days notice (then the DD would have been cancelled and no charges filed) or if it was too close, let them take the money and refund it a few days later.

So you can't expect them to reimburse you the DD fee. You knew they were going to attempt to take it and a charge would be incurred if that collection attempt failed.

sivs

As previous posters have said you need to speak to MBNA first and if they advise it ok to cancel the DD then you should not have been charged.

If you look at the terms and conditions it say a £12 fee will be charged on any DD that are returned, if you cancel the DD direct with the bank then it will be returned and a charge applied.

I've never had any issues with MBNA or any other credit cards if you stick to the terms they set.

:money::j:A