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.
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I sent a Subject access request letter to MBNA and just received a letter from them in response. This included details of statement information (a print out which included all fees charged) but they returned my £10 cheque and said that they have not treated my request as a full data Subject access request and that if I wish to make that request (my initial letter stated this) I should complete and return a request slip they included and include the £10 fee they will then send all info within 40 days. Firstly, how can they get away with doing this when I made this request initially?
In their letter they say they have arranged for a goodwill payment of £670 (looks like full charges are around £1500 - these include late charges and over limit fees) that will be sent in a cheque in the next 10 days. They are sending this on the basis that this is a Full and final settlement of my complaint. I vaguely recall reading on a different thread that this is a common thing that MBNA do but if this occurs you should accept as a part payment and continue with your claim. Is this correct? Is there any literature/template letters on the website about this?
If somebody could help I'd appreciate it.
I'm a little ahead of you with my claim with MBNA. They too credited my account with a sum (£940) on the understanding that it's Full and final settlement of your complaint. - They also returned my cheque and sent a list of charges, not a full S.A.R - (Subject access request) (which is a bit cheeky!)
I carried on to the lba stage, and told them that I'd only accept the £940 as part payment, and would action action to recover the rest in the timescales outlined below (see LBA letter in the templates liabrary)
I think they just do it to see if you'll go away, and drop any more action.
Don't worry about it and carry on with your claim in the timescales outlined in the templates liabrary. From what I've read about MBNA on this site, they seem to fold quite early and pay up with Contractural interest. (they even work it out for you). But this doesn't make them good people! - They did take your money in the first place after all!!!
Sarah v MBNA - good will payment
letter to MBNA and just received a letter from them in response. This included details of statement information (a print out which included all fees charged) but they returned my £10 cheque and said that they have not treated my request as a full data Subject access request
of £670 (looks like full charges are around £1500 - these include late charges and over limit fees) that will be sent in a cheque in the next 10 days. They are sending this on the basis that this is a Full and final
settlement of my complaint. I vaguely recall reading on a different thread that this is a common thing that MBNA do but if this occurs you should accept as a part payment and continue with your claim. Is this correct? Is there any literature/template letters on the website about this?
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