Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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 a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


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  1. 27th January 2007 22:16 #1
    The Phantom The Phantom is offline
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    Default Alliance & leicester Credit Card (MBNA) SAR

    Hi

    have had an A&L Credit Card for many moons and just decided to claim all those late payment charges back
    I have sent them a SARicon with £10.- end of December recorded delivery. They received this 02.01.07 but so far no reply
    How long does it take MBNAicon on average to reply to SARicon, wondering whether a chaser is on the cards soon

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  2. 27th January 2007 22:39 #2
    Rooster-UK Rooster-UK is offline
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    Default Re: Alliance & leicester Credit Card (MBNA) SAR

    Hi Nicole.

    The banks have 40 days to comply with a SARs request.
    Actual time depends on a lot of factors. It's not really possible to generalise.
    Give them a reminder at about day 30 reminding them that they still have not complied with your request.

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  3. 27th January 2007 22:51 #3
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    Default Re: Alliance & leicester Credit Card (MBNA) SAR

    Yeah, it is just that Mint Credit Card replied within 1 week and had the statements with me within 2 weeks, so I was just wondering whether other people also thought Alliance & leicester CC was generally slow to respond to these.
    But you are of course correct to say they have 40 days in which to respond

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  4. 28th January 2007 02:36 #4
    Perseus Perseus is offline
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    Default Re: Alliance & leicester Credit Card (MBNA) SAR

    Hi Nicole
    Seems to be the luck of the draw with anything to do with MBNAicon.
    My experience has been a struggle - Non-compliance about to expire - contacted their legal department to intervene - and during the SARicon process (40+7+7 days letters) I've had DCAicon threats/default threats etc.

    Looking at other posts, they've had full compliance within 2-3 weeks, and paid out in full fairly soon after prelims.
    Schedule those reminder days and just wait for the postie.

    Good luck

    P

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    MBNA - CRA file to be cleared then finished!
    _________________________ _________________
    Abbey Personal - Final LBA 28/5/7 - then Court
    _________________________ _________________
    Capital One - Final LBA 28/5/7 - then Court
    _________________________ _________________
    GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.
    Waiting for GMAC to provide breakdown of charges and CCA under s79
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    Alliance & Leicester - Final LBA 28/5/7 - then Court.
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  5. 17th November 2007 02:07 #5
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    Default Re: Alliance & leicester Credit Card (MBNA) SAR

    Ultimately my experience was very rewarding with them. They dragged their feet and we went through the whole summons process, but caved in eventually. I got everything I asked for quite a bit more as they overpaidicon me quite bit too much.

    They definitely struggled with the concept of deadlines - which was odd because they always seemed to get them when they were slapping me with late payment charges.

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  6. 17th November 2007 06:30 #6
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    Default Re: Alliance & leicester Credit Card (MBNA) SAR

    Hi MBNAicon stick to industry standard when they set you a deadline you MUST stick to it when you set them a deadline they tend to send you an acknowledgment then nothing. I had to issue court proceeding to get them to comply with SARicon. I then informed MBNA that they have an unenforceable agreement err 4 times just acknowledgment nowt else. I have taken them to court re declare agreement unenforceable and refund charges and interesticon applied for those charges did I get a reply NO. I have now applied for judgment in default against them I got a feeling they wont resopond to that as well.

    I feel that court action is all MBNA will react to.

    all the best dpick

    cannot find it A to Z

    http://www.consumeractiongroup.co.uk...hat-youre.html


    Halifax
    Paid in full £2295

    MBNA 20/03/2008 settled in full out of court

    Capital One
    07/07/2007 Capital one charges paid in full £1666
    19/01/2008 recovered PPI £2216 + costs

    Littlewoods
    12/08/2007 write off £1176.10 debt.

    JD Williams charges refunded in full £640
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  7. 17th November 2007 11:37 #7
    The Phantom The Phantom is offline
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    Default Re: Alliance & leicester Credit Card (MBNA) SAR

    I haven't heard from them or their side kicks LINK for ages
    An update on my story is on this thread
    http://www.consumeractiongroup.co.uk...tml#post625101

    They have ignored my last letter informing them their "agreement" isn't really one and hence unenforceable
    Needless to say I haven't paid them a penny in ages and they have stopped chasing

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