Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
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I made a claim against MBNA for their Silver credit card i used to have.
Initially they stated the refund will be sent to the debt agency who it was sold to, but then they started sending me cheques.
My claim is for around £700 which consists of £224 charges and the rest interest at the contractual rate, which they agree they will pay but only up to the date the account was closed. I have refused this as they are making the refund now and so interest should also be paid up to the current date of settlement. I know from other claims and the through the fos that this seems to be acceptable by the FOS, not that i know why.
I have it in writing that MBNA agreed in September that the charges are £199.
They've paid me £240 so far. Now they say this is £126 charges and the rest interest at the contractual rate up to the date of account closure.
I've asked them to check again the amount of charges they are stating and they say they are correct at £126.
I can prove from their own statements that the charges are £224 plus they've sent me a printout of transactions which also confirm this.
How far along the 'claim route' did you get - prelim, lba, court case?
Just go to the next step. If you have already filed in court, just write and tell MBNA that you accept what they have paid as an interim settlement andthat you are carrying on the claim for the rest.
Steven
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GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
If i took the claim to court would it not be for interest only?
Yes, except that it almost certainly would never get to court. We were in exactly the same position with our GE claim and that is what happened. In the end, they paid up. It depends on how you enjoy playing 'chicken'
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
tifo vs MBNA (silver card)
for their Silver credit card i used to have.
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Originally Posted by steven4064
