Just posted off my Data Protection (SARS) letter recorded delivery with

10 pound postal order to Steve Bailey Chester.

Have had account since 2002 and have had lots and lots of unlawful charges paid it off from 4200 pounds down to 800 pounds but they made this very very hard for me with no help and excessive unlawful charges

I look forward to the battle!!! will keep you all posted

Regards

adamski8-)

Good luck to yourself!!!!

Used to be really intimidated by MBNA`s threats etc..

i know ive paid at least £1000 in charges as that was what my balance went up in 6 months!!!

Now im down to £400 paid off nearly 4k but its been a struggle for 4 years now!!!

Good luck, keep us posted

Hi

Received a letter from Rachel Claridge

Customer Advocate Manager

Dear Mr XXXXX

Account xxxxxxxxxxxxxxxx

Thank you for contacting us.

We will ensure you receive a full written response within 28 days from the date of receipt of your complaint. I have enclosed a copy of our internal complaint procedure leaflet for your information.

Should you you wish to contact us in the meantime, please telephone Gareth Tunnicliffe Customer Advocate, on 01244 672628 between 8am and 5pm, Monday to Friday.

Yours Sincerely

Rachel Claridge

The letter then goes on about me telephoning them and wrting to them, its just that it was Data Protection Act letter not a complaint, im confused where are my statements i sent of the Data Protection Act letter from the templates here.

Regards

adamski

I think by reading the site that its mbns`s standard response - thats what i got back anyway and ive yet to recieve my statements from them but they have another couple of weeks anyway

delly x

Thanks Delly your great

adamski x

As mbna have about 17 days left to reply me with my statements, i intend to give em a lil nudge next week.

Good luck wi your claim let me know how you get on!

Hi All

Just a quick update.

I phoned MBNA Customer Advocate Office today, golly gosh they are efficient there, they returned my call within the hour and were very helpful and polite, not like their call centres and collections who are rude unhelpful and dam right ignorant, they said i should receive my SARs request by 23rd of July which is accepatable to me.

Good luck to you all

regards

adamski

Hi All

 

Just a quick update.

 

I phoned MBNA Customer Advocate Office today, golly gosh they are efficient there, they returned my call within the hour and were very helpful and polite, not like their call centres and collections who are rude unhelpful and dam right ignorant, they said i should receive my SARs request by 23rd of July which is accepatable to me.

Good luck to you all

regards

adamski

Hi All

I today received a letter from MBNA in reply to my SARS request, they really are a bunch of clowns, they stated that they had received my letter concerning default fees, it was not a letter concerning default fees it was SARS request letter they are so confused or are they trying to confuse me, no chance of that im afraid MBNA clowns!!.

The letter goes exactly like this for you all to compare:

Dear Mr XXXX

Account XXXXXXXXXXXXXXXX

We refer to your recent correspondence concerning default fees on your account. I would like to clarify the situation from our perspective.

We have always set out precisely what our charges are in our agreement with you, as they are an integral part of the terms and conditions under which we are prepared to provide credit facilities. When Customers pay late, we incur substantial costs in dealing with their default.

Similarly, we have set credit limits carefully for each customer and for good reason. We expect every customer to respect their credit limit. If a Customer goes over their credit limit, he or she is using the card in a way that is not allowed, in effect obtaining unauthorised borrowing. We, therefore, lend more than we agreed to, and take on risks, which were never accepted in the first place. In the case of both late payments and overlimit usage, and also where a cheque is returned unpaid, we look at the portfolio as a whole and set uniform charges reflecting our costs of dealing with such defaults of customers overall, as do all other major credit card providors. This approach allows us to be clear and upfront about all default charges and the basis on which they are applied.

Our view is therefore that the charges that you agreed to are valid, fair and enforceable. Term 3b of your credit agreement with us clearly states that you must pay £25 each time your payment has not reached your account within one day of your payment due date, or when you exceed your credit limit, or a cheque is returned unpaid.

You will find at the end of this letter details of all relevant charges to your account (and any associated credits). On this occasion we have provided this information to you free of charge.

Should this information not be sufficient, and you wish to make a full data subject access request under section 7 of the Data Protection Act 1998, please complete and return the attached form/

Please ensure you include the fee of £10 (cheques to be made payable to MBNA Europe Bank Ltd) and appropriate ID(e.g. photocopy of driver's licence or passport).

We do value your custom and so we would like to resolve this matter. I have therfore credited your account with a goodwill payment of £100. I trust that you will find this an acceptable resolution.

You may know that the Office of Fair Trading has recently issued guidelines for the level of credit card default charges. MBNA disagress with the OFT's interpretation of the law and continues to maintain that its default charges have always been fair, legal and transparent.

However, we have decided to reduce our default charges to £12 with effect from 28 June for late payments and returned payments, and 28 July for overlimit fees. You will receive notification of the changes to the terms and conditions. We expect you to honour the revised terms of your agreement with us. If you do not do so, we will have no alternative but to cancel your card and to formally terminate your credit agreement.

I enclose a copy of 'Our Commitment to You' for your information

Yours sincerely

Setve Bailey

Head of Customer Adviocate Office

So i worked out they owe me £929 my account is in credit cos of the payment, so its off with the prelim letter and charges sheet on Friday.

Regards

adamski

Hi All

Not posted for a while, computer broke and my wife and i have had a baby, so just an update, i sent my prelim on 28th July, i received a reply offering me the difference between £12 and the £20 - £25 charges and waffling on about more garbage, so i sent my LBA on the 16th August to which they replied on the 25th AUgust saying they were looking intomy complaint.

I rang Gareth Tunnicliffe on Friday 1st September in a moment of impatience, and he tried to offer me the difference betwen £12 and £25 i said i would go no moneyclaim right now if that was his final word, he said he would ring me back, which he did and offered me all the money back so i guess i have won!!, but i wont count my chickens til i get the cheque, and i will post when i hear from them.

Will post when i recive cheque.

Regards

Adamski

SETTLED IN FULL CHEQUE RECIEVED THIS MORNING FOR FULL AMOUNT £829

One down many more to go!!!

Regards

adamski

Well done adamski. I am really pleased for you.

Can you let me know the details to put in Litigation Concluded (did it go in Litigations in Progress?), complete the survey, and I am sure a donation would be welcomed too.

It was settled at LBA stage so i nver put it in Litigation, and yes i will make a donation as soon as the cheque clears.

Regards

adamski

Thanks and congratulations again.

Thing is, im well pleased i got my money back, but im actually enjoying all the court stuff i have going with Lloyds and Citicard, with MBNA there was no sport!

:pThere's just no pleasing some people!lol