Balance Transfer - Lies from MBNA?

HamiltonL

I expect they do have a comments section on accounts. We do at Abbey. We usually put our (first) name then the extension and office number. Some of our sub-offices do it differently, just giving their different lengthed extension numbers.

I doubt you'll get any surnames even if asked nicely, due to security reasons. Each agent has an extension number though, which identifies them.

Richard019

Back to the OP's comment about how long they said the BT would take to go through. I suspect what's happened there has been a misunderstanding between the two of you. When I did mine with them earlier in the year I was told it would take 7-10 days for the payment to show up at the other end. I would imagine that is what people ask about most often and they've thought that's what you meant when you asked when it would go through.

andrewramage

hmmm, nearly cleared the balance now anyway but thanks so much for the extra advice. indeed, bigbloke45 - my eyes were opened - MBNA backs 125 different cards! the two I was most suprised about there (and might have fallen for in future) were abbey and alliance & leicester.

Richard019, thanks for picking up on one of my original comments. unfortunately there was no misunderstanding. I asked the chap to tell me my current balance and explained that I wanted to clear it before the BT went through so as not to 'lock in' any interest. he explained quite clearly that he couldn't take a payment over the phone as that was a different department but that if he set it up then and there, the BT would go through in 7-10 working days, and if i phoned the normal payment line a payment would normally go thorugh in 3-4 working days, he even stated 'so that means the outstanding balance would be paid off before the balance transfer is put on the card'. which may have been a misunderstanding of his regarding their system, but certainly not a misunderstanding between myself and him about what I was trying to achieve.

when i phoned back, the CS people had no record of the agreed 1.5% transfer fee, which suggests if there is a 'comments' system, the original caller didn't use it - hence my wondering whether the caller simply lied to me. does anyone know whether these cold-callers get paid commission or team bonuses for meeting sales targets? i imagine they do.

Richard019

andrewramage wrote: »

he even stated 'so that means the outstanding balance would be paid off before the balance transfer is put on the card'. which may have been a misunderstanding of his regarding their system, but certainly not a misunderstanding between myself and him about what I was trying to achieve.

Fair enough, I would keep in mind for future conversations with them about the time scale given being the same as the one I was given though. My past experiance is that if you can explain where the problem has come from with an explanation (ie "he told me this timescale instead of this one" rather than "he told me the wrong thing) then things are dealt with a lot more quickly and easily.

milliemonster

Slightly off topic but still to do with MBNA, got a letter from them today offering us 0% off purchases until next year, what a larf considering this card is maxxed to the limit, silly bug**rs:rotfl:

HamiltonL

andrewramage wrote: »

when i phoned back, the CS people had no record of the agreed 1.5% transfer fee, which suggests if there is a 'comments' system, the original caller didn't use it - hence my wondering whether the caller simply lied to me. does anyone know whether these cold-callers get paid commission or team bonuses for meeting sales targets? i imagine they do.

I would have thought any post-opening offers on accounts would be officially stated on the account comments - they are with Abbey. We generally mail the customer instead for promotions on existing accounts. As far as I know we don't have a fully fledged 'cold call' department for credit cards. Maybe MBNA do in Chester?