Section 75 MBNA Email Address

yorkie2021

Hello does anyone have an email address for section 75 claims at MBNA UK?  Thanks.

MorningcoffeeIV

Any customer services channel of your choosing.

eskbanker

https://www.mbna.co.uk/credit-cards/help-and-support/credit-cards-payment-disputes.html only provides phone numbers, so choosing to try to circumvent their published process wouldn't seem wise, although if there are actually disability reasons why phoning wouldn't be possible then they'd be expected to make reasonable adjustments.  Most financial institutions won't support the emailing of confidential data though, for security reasons....

yorkie2021

Thanks but if anyone has an email address that would be helpful.

I raised 3 charge backs and of the three banks only MBNA messed it up.  Idiots failed to review the evidence provided and now seeking to escalate via the card scheme.  For my s75 (dealt with a different department) I will send all evidence and letter of claim in writing by email.  Then if they fail to properly action it within 8 weeks either go to the FOS or more likely add them as a defendant to the County Court claim.

DullGreyGuy

yorkie2021 said:

Thanks but if anyone has an email address that would be helpful.

I raised 3 charge backs and of the three banks only MBNA messed it up.  Idiots failed to review the evidence provided and now seeking to escalate via the card scheme.  For my s75 (dealt with a different department) I will send all evidence and letter of claim in writing by email.  Then if they fail to properly action it within 8 weeks either go to the FOS or more likely add them as a defendant to the County Court claim.

Escalating via card scheme means this is a chargeback not a S75

On the basis you are switching terms between chargeback and S75 it seems like you may not fully understand the differences and their discrete processes. It can simply be that MBNA are ahead of the curve and the other two banks will soon be advising the vendor has disputed and its therefore going to arbitration. 

yorkie2021

DullGreyGuy said:

yorkie2021 said:

Thanks but if anyone has an email address that would be helpful.

I raised 3 charge backs and of the three banks only MBNA messed it up.  Idiots failed to review the evidence provided and now seeking to escalate via the card scheme.  For my s75 (dealt with a different department) I will send all evidence and letter of claim in writing by email.  Then if they fail to properly action it within 8 weeks either go to the FOS or more likely add them as a defendant to the County Court claim.

Escalating via card scheme means this is a chargeback not a S75

On the basis you are switching terms between chargeback and S75 it seems like you may not fully understand the differences and their discrete processes. It can simply be that MBNA are ahead of the curve and the other two banks will soon be advising the vendor has disputed and its therefore going to arbitration. 

No, you have misunderstood.

The other two banks succeeded in their reversals.  MBNA received a challenge but failed to review the ample evidence that I had submitted and accepted the challenge.  After I lodged a complaint they raised a second challenge which will be determined probably at arbitration.

MBNA claim a different department deals with the s75.  They closed my claim pending the chargeback which is not acceptable to me.  Given the other two banks succeeded that reduced my losses and I will now pursue the remaining sum (including the sum MBNA has failed to recover) against MBNA.  

MattMattMattUK

yorkie2021 said:

DullGreyGuy said:

yorkie2021 said:

Thanks but if anyone has an email address that would be helpful.

I raised 3 charge backs and of the three banks only MBNA messed it up.  Idiots failed to review the evidence provided and now seeking to escalate via the card scheme.  For my s75 (dealt with a different department) I will send all evidence and letter of claim in writing by email.  Then if they fail to properly action it within 8 weeks either go to the FOS or more likely add them as a defendant to the County Court claim.

Escalating via card scheme means this is a chargeback not a S75

On the basis you are switching terms between chargeback and S75 it seems like you may not fully understand the differences and their discrete processes. It can simply be that MBNA are ahead of the curve and the other two banks will soon be advising the vendor has disputed and its therefore going to arbitration. 

No, you have misunderstood.

The other two banks succeeded in their reversals.  MBNA received a challenge but failed to review the ample evidence that I had submitted and accepted the challenge.  After I lodged a complaint they raised a second challenge which will be determined probably at arbitration.

MBNA claim a different department deals with the s75.  They closed my claim pending the chargeback which is not acceptable to me.  Given the other two banks succeeded that reduced my losses and I will now pursue the remaining sum (including the sum MBNA has failed to recover) against MBNA.  

Just because one financial institution agrees, does not mean that others will, cases for chargeback can often be borderline at best and they will get reversed on the basis that if the retailer is really bothered they can take the cardholder to court to recover the funds. S75 is often defended to a far greater extent because it costs the card issuer money, if they did not agree to chargeback they are very unlikely to roll over and accept S75. S75 also has different rules to chargeback, what may be allowable under chargeback might not under S75.

DullGreyGuy

yorkie2021 said:

DullGreyGuy said:

yorkie2021 said:

Thanks but if anyone has an email address that would be helpful.

I raised 3 charge backs and of the three banks only MBNA messed it up.  Idiots failed to review the evidence provided and now seeking to escalate via the card scheme.  For my s75 (dealt with a different department) I will send all evidence and letter of claim in writing by email.  Then if they fail to properly action it within 8 weeks either go to the FOS or more likely add them as a defendant to the County Court claim.

Escalating via card scheme means this is a chargeback not a S75

On the basis you are switching terms between chargeback and S75 it seems like you may not fully understand the differences and their discrete processes. It can simply be that MBNA are ahead of the curve and the other two banks will soon be advising the vendor has disputed and its therefore going to arbitration. 

No, you have misunderstood.

The other two banks succeeded in their reversals.  MBNA received a challenge but failed to review the ample evidence that I had submitted and accepted the challenge.  After I lodged a complaint they raised a second challenge which will be determined probably at arbitration.

MBNA claim a different department deals with the s75.  They closed my claim pending the chargeback which is not acceptable to me.  Given the other two banks succeeded that reduced my losses and I will now pursue the remaining sum (including the sum MBNA has failed to recover) against MBNA.  

How long ago were the chargebacks lodged? Most people mistakenly believe because the money has gone back into their account that they have "won"... unfortunately thats not how the chargeback works and most banks refund it up front on the condition that it will be recharged should the case not be found in your favour. We get many posts on here from people confused that they "won" but then 2 months later the money was taken back.

You say MBNA are going to arbitration on the chargeback so you should wait for that to make its decision. If it's not in your favour then that would be the point to raise a S75 which would be done via the phone after being told the chargeback was unsuccessful. 

MattMattMattUK said:
S75 is often defended to a far greater extent because it costs the card issuer money, if they did not agree to chargeback they are very unlikely to roll over and accept S75. S75 also has different rules to chargeback, what may be allowable under chargeback might not under S75.

I agree in principle, an institute may put more effort into defence when they are paying from their own pocket but the overall outcome is more complex than that.

Chargeback is a crude and prescribed process... there are things you'd argue should certainly result in a win but the Visa/Mastercard rules say otherwise because its intended to be a basic tool thats light touch to use. S75 is the full fat process and there are plenty of cases where chargeback fails but S75 succeeds 

born_again

yorkie2021 said:

DullGreyGuy said:

yorkie2021 said:

Thanks but if anyone has an email address that would be helpful.

I raised 3 charge backs and of the three banks only MBNA messed it up.  Idiots failed to review the evidence provided and now seeking to escalate via the card scheme.  For my s75 (dealt with a different department) I will send all evidence and letter of claim in writing by email.  Then if they fail to properly action it within 8 weeks either go to the FOS or more likely add them as a defendant to the County Court claim.

Escalating via card scheme means this is a chargeback not a S75

On the basis you are switching terms between chargeback and S75 it seems like you may not fully understand the differences and their discrete processes. It can simply be that MBNA are ahead of the curve and the other two banks will soon be advising the vendor has disputed and its therefore going to arbitration. 

No, you have misunderstood.

The other two banks succeeded in their reversals.  MBNA received a challenge but failed to review the ample evidence that I had submitted and accepted the challenge.  After I lodged a complaint they raised a second challenge which will be determined probably at arbitration.

MBNA claim a different department deals with the s75.  They closed my claim pending the chargeback which is not acceptable to me.  Given the other two banks succeeded that reduced my losses and I will now pursue the remaining sum (including the sum MBNA has failed to recover) against MBNA.  

Well unless the chargebacks were for the same retailer, item, issue etc. Then you can not compare them.

Best bet is to speak to MBNA team that are dealing with this & ask them for email address. As different departments will have different ones. Sending to the wrong one will at best delay, at worst get deleted as wrong department.