Mbna

[cherminate]

I have just sent a Subject Access Request to MBNA. I have found a few old ststemtns, when I receive the rest and am totalling the charges do I just put in all charges and not the interest charge on the statement ie

3 Aug 2002 letter charge 5.00
3 Aug 2002 overlimit fee 20.00
3 Aug 2002 late charges 20.00
19 Aug 2002 interest charged 63.73

Would I put all those on my prelimimnary approach letter or leave out the interest and add it if I fill a MCOL

Thanks in advance

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[chorlton1]

You can put in the first 3 but not the interest. The only interest you can claim for is interest applied on the unlawful charges (see the spreadsheets that have been set by Vampiress - if you can't find them PM a Mod or let me know and I will send you the link).

You can then decide to charge for full "contractual" interest (check on the MBNA site for the interest rate for your type of card) and add that at the LBA stage, or go for straight 8% which you can add at the MCOL stage)

As your charges go back a bit, you will probably find the interest really bumps your claim up.

Good luck!

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[chorlton1]

VAMPIRESS'S CHAMBER OF "CONSUMER ACTI...

this should work!

[cherminate]

So would I be better filling the contractual interest and am I right in this being added in the LBA and not the preliminary. Or as MBNA appear to be good at returning charges the 8% from the outset in the preliminary request.

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[chorlton1]

You can either add the amount of the contractual interest at the LBA stage or if you dont feel you can cope with the spreadsheet yet just state in the LBA letter that the amount of your claim does not include any calculations for contractual or other interest.
The 8% is a statutory levy and should only be used if you are reclaiming no other interest and then only at the MCOL stage.
From other MBNA threads it appears they are prepared to pay contractual interest on charges but ONLY if you raise the subject - they will not volunteer it.
I am about a week behind you with MBNA, so will keep lurking - shout if you need anything

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[cherminate]

Cheers Chorlton!