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old a&l credit card ( mbna ) late & over fees


davidoneman
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Hi ive got a old a & l credit card ( mbna ) the account got sold to hillsdens and eventually settled the debt at a reduced rate but was final ,

 

now im looking at the charges to get back if possible as if successful it wont be deducted from the account as its been settled .

 

the charges are made up of £12 over limit and £12 late payments ,

 

ive used the spreadsheet and the charges are £204 but with interest at 19.99 percent the interest is £906.15 , so total £1110.15 ,

 

do they refund these charges as they are £12 if so whats best way at reclaiming

. many thanks for any help

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Youll need to raise a complaint with Santander.

I would just claim the charges with a formal complaint etc and they may throw in a Goodwill Gesture too :)

Edited by Andyorch
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You can only compound their int rate until they stopped charging it not right through till today

 

And if they are outside of 6yrs old ...not a chance sadly

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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each charges date.

 

 

you could try but I'd doubt you'll get anywhere

theres a charges reclaim letter in the library I think

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Great thanks so much - I've just done this through the phone so it was very handy put claim in with Santander and was told to ring MBNA as well so both done - will wait patiently now and hopefully a nice little cheque for Xmas

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