MBNA can't refund credit balance

noitsnotme

There are (or at least used to be) savings accounts that come with an ATM card (can withdraw cash from ATM only).  I had one but can’t remember which bank.  As far as I know, there are no savings accounts that come with debit cards.

Isthisforreal99

Brie said:

The plot thickens.....

Yesterday 2 September afternoon I received an email from MBNA with the following....

Your payment of £250.00 made on 28/08/25 was returned unpaid by your bank on 01/09/25.  If you’ve already paid, please ignore this email as your balance will update soon. Please make the minimum payment by 01/09/25 to avoid charges and so you keep any promotional rates.

So they are wrong in that the payment was not returned unpaid by my bank.  And they are telling me on 2nd Sept that I need to do something be 1st Sept!!  

Meanwhile again I wait to talk to someone to help sort this!!!  Good thing I'm not a busy person.  

All of your own making I'm afraid. A few have said you had no grounds to invoke the DD indemnity for a payment correctly taken. Call it what you want, the DD ultimately wasn't paid.

Brie

Isthisforreal99 said:

Brie said:

The plot thickens.....

Yesterday 2 September afternoon I received an email from MBNA with the following....

Your payment of £250.00 made on 28/08/25 was returned unpaid by your bank on 01/09/25.  If you’ve already paid, please ignore this email as your balance will update soon. Please make the minimum payment by 01/09/25 to avoid charges and so you keep any promotional rates.

So they are wrong in that the payment was not returned unpaid by my bank.  And they are telling me on 2nd Sept that I need to do something be 1st Sept!!  

Meanwhile again I wait to talk to someone to help sort this!!!  Good thing I'm not a busy person.  

All of your own making I'm afraid. A few have said you had no grounds to invoke the DD indemnity for a payment correctly taken. Call it what you want, the DD ultimately wasn't paid.

I think you missed my point.  How am I supposed to action something by 1st of the month when I'm being told about it on the 2nd.  That is a error within their system generating letters that are impossible to act on as stated in the letter.  

Also MBNA was wrong to claim that they could not/would not refund the credit on my card and then turn around and do just that.  fyi - I did tell my bank that MBNA had said they couldn't refund me which is why I got them to recall the DD.  

-----

So MBNA has apologised for its confusing letter and paid me £30.  

They've also realised that I have been refunded £250 twice when it should have been only once and has added £250 back to my card account.  That won't be collected now until the end of October.  

So I'm going to call this case closed.