MBNA late payment fees

YorkshireBoy

WillJW wrote: »

I'm just saying, as human beings, they *could* maybe go that extra mile and give me a call/text to just make sure I'm aware.

I'd rather they didn't do that, because that would mean they'd need more staff and more investment in IT...and that would be passed onto customers in the form of no, or shorter, 0% BTs and/or fewer interest free days and/or higher go-to rates.

I don't legally have to say thanks to a barman when he serves me, but I do.

...but that doesn't cost anything. See above.

I will learn from this though, and will be checking my statements in the future!

That's the best you can take from this experience, other than the reinstatement of the long 0% intro period of course.

And finally, if you do go the min payment DD route, be aware that it may not catch on for the next statement. Check your statement and if it doesn't carry the "your payment will be collected on xx/xx/xx" message, then make the payment by other means until you do see it shown.

Fishingtime

If they sent you an email every month and you did not bother to read them then who is at fault ?

dumpyboy

MBNA customer services are something else phoned in in December with a query told it be looked at and someone would phone me back did not phone, in January told you have to wait 48 hours for a call back said it s been 2 weeks since I phoned she said she I would get a call back with in 24 hours I pointed out she had told me calls take 48 hours got angry ended the call

WillJW

Just thought I'd update with the eventual outcome of this.

I filed a complaint with MBNA and although I haven't heard back from them yet I've just checked my latest statement and they've credited all the interest charges and late payment fees back to my account, and put me back on the 0%. It's as if it never happened...

YorkshireBoy

WillJW wrote: »

Just thought I'd update with the eventual outcome of this.

I filed a complaint with MBNA and although I haven't heard back from them yet I've just checked my latest statement and they've credited all the interest charges and late payment fees back to my account, and put me back on the 0%. It's as if it never happened...

You (and other lenders) may be reminded it did happen when you (and they) view your credit reports.


Getting a deal reinstated and some money refunded is one thing (an ex gratia payment/goodwill)...but getting the infringement removed from your credit report may be quite another!

GingerBob_3

YorkshireBoy wrote: »

I'd rather they didn't do that [see below for my clarification], because that would mean they'd need more staff and more investment in IT...and that would be passed onto customers in the form of no, or shorter, 0% BTs and/or fewer interest free days and/or higher go-to rates....but that doesn't cost anything. See above.That's the best you can take from this experience, other than the reinstatement of the long 0% intro period of course.

i.e. provide customer service that actually WAS customer service. Namely, spotting a genuine mistake and yes, going that extra mile to contact the customer and alert him to the problem.

Well then we'd end up with ALL service providers being at the same depth in the scum as RyanAir. Mind you, MBNA are pretty much there anyway. Advice to the OP - don't do MBNA. I do have four cards with them, but their BT rate is very poor, when you ring them up their "security" is totally over the top, and their customer service can be (though maybe not always) appalling - and of course they are foreign. My cards were obtained when their BT rate was competitive.

BTW WillJW, yes a good result in the end. Well done for persevering.