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Hi, requested my charges from MBNA 6th Sept, they sent a letter back saying sorry I was complaining (I wasn't at that point!) and that they would send me my charges shortly. They arrived yesterday along with a good will offer of £480!. Now I saw Greatwonders thread on here a few weeks ago and thought as soon as my letter arrives I'm going to phone Paul Miney up and ask for my money, as it seemed to work for him.
Just done that, he was extremely helpful and polite,I thanked him for the offer of £480 which I said I would accept as part payment but the total amount they had charged me was £1,157. I told him I wanted that amount and also could he work out the interest for me because I dont want to get it wrong when I fill out my court forms! (Just a little pressuring!) He said he would have to get my file and get back to me, he said that he would work out the COMPOUND interest and get back to me by 11.10 and hopefully resolve things for me.
Looking at some other threads this is when they called back with an offer of the full amount. So after just one letter sent a one phone call made can it really be this easy? Watch this space.
YES IT IS!!!!!!!!!!!!!!!!!!!!!!! !!!!
Mr Miney just phoned me back and offered me £1,728.14 in Full and final settelment, cheque to arrive with 7 days!!!!!!!!!!!!!!!!!!!!!
Any good, tell everyone on this MBNA forum to do the same as me, Paul Miney is on 01244 - 672628. Couldn't come across a more helpful man. Obvioulsy said all the standard things about them not agreeing with the OFT etc but for the sake of customer relations wants to resolve these matters as quickly as possible. More banks should take note. Think how much MBNA have saved in solicitors fees compared to Lloyds and others!
Forgot to say , He told me they had calculated the compound interest at their standard charge of 17.9%!! So everyone forget working out the interest @ 8%, get MBNA to do it for you.
I have sent a letter requesting statements and received a letter back thanking me for the letter and a full response will be submitted to me by the 15th October. Is this the same kind of letter you received?
All I want is my statements, but if they are going to coome back with an offer instantly, all the better!!
Thanks Andrea
S.A.R - (Subject Access Request) Sent MBNA 18-09 30/09/06 Rcd Ltr ack fax, exp full resp by 15/10
13/10/06 Recd ltr offer goodwill. 18/10/06 prelim with acc of part s'mnt, req rem.11/11/06
15/11/0 Full refund received!
S.A.R - (Subject Access Request) Sent to Halifax 18-09 04/10/06 Recd Stmts 06/10/06 Prelim Lt
31/01/07 lba snt (bit late!!)
Sounds exactly the same, when your letter arrives, work out your charges and give them a call doing exactly the same as me, no reason you shouldn't get the same result.
Just spoke to some one called Colin Pugh at the same number 01244 672628,(after partial payment ) agreed to pay in full.Worked out my interest for me at 22.9 % !!
£400 more than I asked for :grin: Waiting for money to be in account.donation to follow!! Off to pub
I got the same £160 cheque with my statements, haven't added up the charges yet but I almost feel like not bothering. I feel like thanking them for their refreshing approach when I put in the claim. they also said that the money had been left in my account for years.
Your solution sounds very similar to mine! DPA response way quicker than the Halifax (still waiting - wake me in 2045!!!), and with one phone call a settlement at approx £1800!!!
I've now spent days at work saying to people, "Yu got an MBNA account - ever had charges". It's becoming an obsession!
wow..
well done all of you.. wish id banked with MBNA now.. how refreshing.. other banks take note!!
cap one - prelim letter sent 23/8 £460 owed
partial refund, now sod off letter received 6/9
lba 5/10, claim served 30th jan, CAP ONE SETTLEDIN FULL 15thTH FEB!!!
lloyds card services - prelim sent 23/8 £332 owed
sod off rerceived 25/9
lba 26/9
claim issued via mcol 13/10
awaiting papers from SC&M
court date set for 26th March
nat west - Data Protection Act sent 11/7.. non compliance.. considering court action.
non compliance letter sent 29/8 giving them a further 7 days- gave them loads more days!!
5/10 lba sent for pre action disclosure
settled in full 2.1.07
cahoot - Data Protection Act sent 7/8 on hold for a while
After received sending off SAR on 8th September received letter yesterday offered "goodwill payment" of half of the charges. Rang number on the letter - I too spoke to Paul Miney - told him I was wanting full refund and itnerest - he went away and after 20 minutes called back and worked out interest at 20.9% together with full refund of all charges - result! - like many of you I wish all the other took the same example off these guys and just stopped phaffing around and paid up - still waiting for a reply from the Halifax - they only have a few more day to comply with my SAR - hope they are quicker once I receive the blasted statements!!
Kendraflo
Kendraflo
Halifax - S.A.R 8/9/06 - Overdraft facility removed 21/9/06 - threat to close account - Default Notice lodged 06.10.06
Mint - S.A.R - 8/9/06 - Statements received 03.10.06 - Prelim letter sent for £268.13 03.10.06
First Direct - S.A.R 8/9/06 - Statements received 21/9/06 - Prelim letter sent 21/9/06 for £410.00 - settled in full
First Direct - S.A.R 21/9/06 - for husband's old account
Barclaycard - S.A.R 8/9/06 - Statements received 16/9/06 - Prelim letter 18/9/06 for £496.25 - Part offer received 22/9/06 for £228.00 - Rejection letter sent 25/9/06 - MCOL issued 8.10.06
MBNA - S.A.R 8/9/06 - Partial offer received 6/10/06 - full offer & interest received on 6.10.06
ACE CARDS & GIFTS - S.A.R - 19/9/06 - statements received -27th September - vouchers received in settlement - 4th October 2006 - £235.00
Hi all,
after sending my DPA letter off to MBNA for statements on 24/9/06 and reading the threads about how you were all ringing Mr Miney and getting a result, i thought i'd give it a go, ive just got off the phone from him and he appologised about how long it is taking to sort my case out but as i was with Abbey when i first started my acct then it transferred to mbna they have requested my statements from them but they havnt sent the statements to mbna yet(what a surprise !) but he will chase it up today and hopefully get back to me at the end of the week with an amount of how much my charges have added up to and will offer me a goodwill pay mt. When i asked him about the amount plus interest he said they will calculate it at my contract rate of 24.9%. But he did say that all figures were calcutated at contract rate unless a customer is asking for it tobe calculated at compound rate, in which case they may offer the difference. Fingers crossed that i get as good a result as some of you have. Ive actually had to transferr my balance to M&S on 0% intrest for 6mths so i can clear it, but if they pay up i can pay it all off with M&S in 1 go which will be a gret load off my mind. Heres hoping !!
1st letter to Abbey requesting statements 10/08/06 Reply from Abbey..Sorry on Microfiche..cant do 18/08/06 2nd letter to Abbey Microfiche argument letter R/D 23/08/06 Received 16 Statements from Abbey 23/0806 Reply from Abbey.. enclosed complaints leaflet 2/08/06 Phone call from abbey Re my account 20.55hrs 5/09/06 Letter to MBNA requesting statements 6/9/06 Sent off Data Protection Act letter to MBNA 2/10/06 Sent off Non Compliance letter to P Speed 3/10/06 Cover letter & 5yrs statements received 9/10/06 Received letter from MBNA saying they had reduced limit 9/10/06
Could it really be this easy!? YES IT WAS!
6th Sept, they sent a letter back saying sorry I was complaining (I wasn't at that point!) and that they would send me my charges shortly. They arrived yesterday along with a good will offer of £480!. Now I saw Greatwonders thread on here a few weeks ago and thought as soon as my letter arrives I'm going to phone Paul Miney up and ask for my money, as it seemed to work for him.
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