Thread: Returned Payment Fee

Hi,
I have received a letter from MBNA regarding a direct debit that couldn't be processed. This is not very surprising as I cancelled the direct debit. My reason for doing so was that I had paid the balance in full and therefore didn't think there was a need for it, however, even though the balance was zero, they still attempted to take the £5 direct debit. As it wouldn't go through, they have now charged me £25.

I spoke to them in the hope of receiving some sense and got the fee reduced to £12.50 when I mentioned that I would pursue it in court if necessary, but they wouldn't drop it entirely. They say that as the direct debit is set up until further notice, that I should have told them I had cancelled it. I foolishly thought that if the balance was clear that they wouldn't take it but unfortunately common sense did not prevail.

What is my best course of action here?

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contact stuart johnson stuart.johnson@mbna.com or 01244 576317 and explain it was a genuine mistake, he'll refund the rest for you no probs, if not go through the formality of issuing lba's and summons etc although deemed most likely.

If you want to keep the account it is probably best not to mention sites like this as he may well close the account like he has done to a few other people on here.

Lol, unfortunately, this is the first fee I've had applied to this card.

I take it I should pay the fee before pursueing it any further so as not to affect my credit record.

Thanks surreyscouse. I'll give that a go. I'm closing the account anyway so it would just save me having them trying to talk me out of it

I had to admire the woman at the end of the phone. At the end of the conversation she explained about the balance transfer offer and would I be interested and then about a loan and she managed to sound serious about it.

Well I don't know if it was the e-mail to Stuart Johnson or just that the customer service staff had second thoughts after my conversation with them but it appears I have had the £25 fee refunded to the account in full.

Thanks for the help

Easy ! Easy !