Have had confirmation from fos that MBNA will make offer,

In meanwhile my sar has arrived from them so want to spread sheet it up so i can see if the figs come close

Its for a credit card, i have no statements just the print out showing ppi made and dates and the odd balance amount,

can some one guide me what spread to use ,[ i am pretty rubbish at spreadsheets ]

and can someone advise on charges ie can i look at claiming overlimit and late fees etc

Thanks

Hi

In the absence of statements, this is the closest you are going to get.

FosCISheet v101.xls

Is the account still live or was it closed and paid off? If so, when?

As regards the charges, you can reclaim over limit and late payment fees. Have a read of No.s 3 and 4 in my signature for more information.

This is the spreadsheet you will need for the charges claim.

CISheet v101.xls

ims

thanks mr Ims will give it a shot, acc still open , no arrears , once i got the ppi sorted will hit em with charges claim. i just wondered if they would take over limit charges when they took off pii as in most cases removal off ppi and associated intrest would have meant no charges would have applied

Help............. What fig do i put under compound interest?

Read the notes tab on the spreadsheet

thanks think i ahve it. i am unsure about what intrest rate to apply,.......... it was credit card , any guidance would be helpful

The rate would be the same rate as they were charging you on the card for purchases.

That would normally feature on the statements. Is there nothing in the SAR response which indicates rates of interest?

If not you can always ask for an analysis of the offer to include the rates used.

The rate would be the same rate as they were charging you on the card for purchases.

 

That would normally feature on the statements. Is there nothing in the SAR response which indicates rates of interest?

 

For now I'm adding 18per cent! It's gonna take a while as card goes back to 1998 am amazed they been able to give me copies of all

Sucess ............. Nearly fell of my chair when i got my settlement figure . For 2 MBNA cards running since 1995 and 1998 , maxed out for quite a while but all still current a grand sum of 64k , Amazing , jUST WAITING FOR CHECK NOW , This forum has helped me endlessly, The spreadsheets i did came within £500 of this huge amount which i am not gonna persue as t could be down to variations in interest rates etc, Am so amazed ., now to investigate the charges and changes in interest rates before i settle my bill and go have some fun with the loads and loads left over ,x

Wow that's great....well done :whoo:

Your spreadsheet calculations were less than 1% out...fantastic.

Let us know when you get the money so that your thread title can be changed.

ims

Absolutely brilliant.. well done

good god

MBNA coughing without a fight

now thats strnge

tell us more on the process you used.

and WELL DONE!!

there a re 100's of people here that have been fobbed off!!

dx

Thanks guys

started with just standard fos letter,

PREDICTABLY rejected,

Made a complaint to fos in early jan.

Rani's original thread

MBNA in some admin nightmare

wrote to me to say they were still looking into it , and then 3 days later rejected it>

having dicovered u guys on here I got wise and sent a SAR in

and a week after they actioned this

they wrote to FOS and said they with settle as a good will gesture,

The basis being a company director I am effectively self employed and they would never pay any claim i made

, IMS spreadsheet showed where money came from

£10 in 1995 with compound interst worked back to £900 odd.

N o fuss from MBNA even gave me settlement details from a senior case manager over phone >

Now I gonna try for bank charges as the cummulative effect of PPI would have certainly been responsible for some of these

Everyone i cant stress how ever laborious it feels or time consuming and painful

keep at the claims ,

take guidance from the genuis Caggers on here and u shoudl see the benefit i have ,

A big donation on the way once i get the cheque .

Fingers crossed for my outstanding cases with EGG[

IN HANDS OF AN ADJUDICATOR WITH BCRD PLAYING HARD BALL]

and Santander [ awaiting allocation to an adjudicator]

Sucess ............. Nearly fell of my chair when i got my settlement figure . For 2 MBNA cards running since 1995 and 1998 , maxed out for quite a while but all still current a grand sum of 64k , Amazing , jUST WAITING FOR CHECK NOW , This forum has helped me endlessly, The spreadsheets i did came within £500 of this huge amount which i am not gonna persue as t could be down to variations in interest rates etc, Am so amazed ., now to investigate the charges and changes in interest rates before i settle my bill and go have some fun with the loads and loads left over ,x

This is fantastic. Would you be prepared to talk to a journalist about this? It would encourage so many other people

wow!! Huge congrats, thats amazing!!!

massive congratulations well done enjoy have a Holiday

Wow @ that amount!!!!

Go for the charges + compound interest whilst they're feeling so generous!

Morning Ims

just getting started on my fees and charges reclaim for this ................ why not heh

i will use spread sheet for charges , just wanted to know 2 things

1. i had a big jump in interest charges [ 23% to 35%] i was not to best of my knowledge advised of this............. do i have any redress on this

2. is there a cag cover letter in the library for this sort of claim ,,,,,,,,,, couldnt see one,

I amclaiming on the basis of that most of the overlimt fees wouldnt have applied if the ppi had been incorrectly added

All help appreciated

Rani

I will be watching this with great interest.

I currently have a PPI claim in with MBNA (only sent last week after receiving SAR) and if successful will be going after charges, I like you had a host of overlimit fees.

Hi

Probably best to start a new thread for the charges claim in the MBNA forum because it is a separate issue from the PPI claim. As a preliminary answer though, the charges you are talking about are unlawful penalties anyway.

There is a precess to be followed with a charges reclaim....have a read of Nos 3 and 4 in my signature.

Hi Rani,

You may be on a sun drenched beach somewhere relaxing after your fabulous win so hope you may have a minute to catch up with the Cag family, lol.

You can't imagine what this means to Caggers - your achievement is magnificant. Really, high five to you chuck.

"The basis being a company director I am effectively self employed and they would never pay any claim i made"

A friend of mine is in identical situation but would have been covered for loss of employment in the event his company going belly up, so long as they could produce evidence to prove that it has collapsed. His policy was from 1997 similar era to yours, did your policy say something along those lines?

We're just wondering what route to go down because of the settlement figure involved, similar to your's probably if we claim from day one.

Shelley

hello

i have no recollection of this being said in my policy however the fact is the company going under is very unlikely and the sickness benefit portion is also not apllicable as most of us would continue to pay ourselves when we had our own company, To be honest after my initial fos complaint mbna never communicated with me again just agreed to pay up as goodwill, My advice is to go ahead and claim direct from them , if they decline [ as they did with me] go to fos and sit back and watch and see, . whilst claim is being looked at get your SAR so u have figures to work against as well. Good luck xx ps is his claim mbna?

hello

i have no recollection of this being said in my policy however the fact is the company going under is very unlikely and the sickness benefit portion is also not apllicable as most of us would continue to pay ourselves when we had our own company, To be honest after my initial fos complaint mbna never communicated with me again just agreed to pay up as goodwill, My advice is to go ahead and claim direct from them , if they decline [ as they did with me] go to fos and sit back and watch and see, . whilst claim is being looked at get your SAR so u have figures to work against as well. Good luck xx ps is his claim mbna?

Thank u for responding. Yes it isMBNA. SAR already done but dont think statements go back to start of acct would have to check. Thanks again.

i find it odd that they have some peoples and not others, my attitude its always worth a go , good luck let me know how u get on x

Hi Rani,

 

You may be on a sun drenched beach somewhere relaxing after your fabulous win so hope you may have a minute to catch up with the Cag family, lol.

 

You can't imagine what this means to Caggers - your achievement is magnificant. Really, high five to you chuck.

 

"The basis being a company director I am effectively self employed and they would never pay any claim i made"

 

A friend of mine is in identical situation but would have been covered for loss of employment in the event his company going belly up, so long as they could produce evidence to prove that it has collapsed. His policy was from 1997 similar era to yours, did your policy say something along those lines?

 

We're just wondering what route to go down because of the settlement figure involved, similar to your's probably if we claim from day one.

 

Shelley

Hi Shelley,

I claimed on behalf of my Dad who is self employed - I just got a letter upholding the claim from MBNA