Anyone who wants a quick settlement after LBA.....
Spurred on by all the posts where people have been telephoning MBNAand receiving settlements there and then I thought I'd update everyone with my experience.
Sent my lba
Nervously (though well hidden) rang the Advocate office this morning, asked for Mr. Stephen Bailey (who had signed my goodwill offer) and was put through by a nervous female representative to a very friendly person called Paul (I've seen his name mentioned on other posts).
Advised I was chasing up my response to the LBA as the deadline was approaching, and wanted to avoid court action. Paul said he would get my details, work out the interest
Within 15 minutes I got a call back offering me another £500 - this offer was made in error as Paul was only offering interest on the £620 goodwill payment. Reminded him I wanted the full £1316 plus compound interest on the lot. He went away and phoned back within half an hour, offering a total of £1870!!! This is on top of the £620 already credited!
As my outstanding balance was only £1000, Paul told me the full amount of £1870 would be issued by cheque within 5 working days! (I expected the account balance to be cleared and the remainder to be sent as a cheque) I didn't even have to ask for a cheque! He then said that regarding the remaining MBNA balance, I could do what I wanted with the money - I could choose whether to pay off the balance or not.
So this has taken an initial claim of £1316 over the £2400 mark once the compound interest had been added. I must say that all the people I've dealt with at MBNA have been very friendly and efficient, and I have never had to complain (over and above my original complaint).
To anyone that is waiting on a reply to their LBA deadline, my advise is to call them, it works!! I was so nervous when doing it, but didn't falter, and it was all settled within an hour!
(donation
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