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    • You could also ask about Jeremy Hunt and the multiple flats purchase he didn't declare properly. Or Lord Ashcroft about how much tax he saved while he was a non-dom. According to Private Eye, in Ashcroft's book he says Rayner avoided paying £3,500 to HMRC. Meanwhile he's estimated to have saved £112m by being a non-dom between 2000 and 2010.
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    • I see the poops are still trying to deflect from their own criminality and and abuses by whinging on about raynors buying her council house - now about election registration - anyone who owns a flat or house understands that you dont give up your and your childrens home just because of a new relationship and while we are on about that ..   lets start with When is jenrick being revisited for both lockdown abuses and self admitted (claims estate is his main home - not the property in his electorate or his london property) 'possible (lol) electoral registration abuses as he claimed he was at his estate 'main home' away from both London and his electoral 'home'  - much of which paid for by the taxpayer     Cabinet Minister Robert Jenrick 'breaks lockdown rules twice' by going to 'second home' - Mirror Online WWW.MIRROR.CO.UK Key Cabinet Minister Robert Jenrick drove 150 miles to his 'second home' after urging the nation to remain in their homes in a bid to...   ... perhaps follow with more self admitted lobbying while in a potion where they shouldn't “A few of us in parliament have lobbied the government – and with the help of the Treasury select committee, the chancellor has listened,” John Baron wrote.   Tory MP faces lobbying questions over Treasury committee role | Investing | The Guardian WWW.THEGUARDIAN.COM Co-owner of investment management firm called for ‘urgent’ post-Brexit changes to City rules at committee meetings     About time labour got in the game and started pressing for these self admitted/bragged Tory abuses were properly investigates.
    • No I didn't I got the dates mixed up.   
    • Sorry about that, TJ. The person who posted it specifically said it was free access. Here's another version of the FT article. https://archive.is/KYrPa
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Interest Rate Increase


jamesdryan
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Hi

 

Calculated that MBNA owe my £300 in charges from the last 2 years so sent them the preliminary letter, response 2 days later saying "we are looking into it, response will be in about 4 weeks". After 14 days was up, sent the Letter Before Action on 25th April and on 26th my account was credited with £160 (i assume a letter is at home regarding this).

 

However (and sorry for the long winded way of getting to this), in Sept 2005 i agreed a rate of 7.9% APR on all account transactions if i kept my card open with them. I've just noticed that a few months ago they increased my APR to 13.9%.

 

My question is, are they allowed to do this? I have a letter from them saying my APR is 7.9% from Sept 2005.

 

James Ryan

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This bunch of wasters are a law unto themselves.

 

It does say in their t & c's that they can alter the rate and they obviously review it now and then. Write to Michael Rhodes who is their ceo complaining about the incorrect rate and ask that he refunds the over paid interest. Enclose a copy of their letter confirming the lower rate just in case they try to stall you.

 

I take it you are going to acept that £160 and tell them you will pursue them for the other £140 ? Don't let them get away with that.

 

Keep us posted !

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Hi

 

Oh i will get onto Michael Rhodes as soon as i get home tonight and copy their original letter.

 

And there is no way i am letting them get away with my money, the £160 can stay in my account but i am sticking to my timetable of 14 days before court action if they don't pay the rest up, and a letter stating that is going out tonight!

 

James

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Hi!

 

If you are late with a payment or go over limit, then mbna 'jack up' your interest rate!

 

Mbna call it "Risk Based Repricing" otherwise known as "International Default"

If you do a google search there are a lot of USA consumer complaints about mbna adopting the "International Default" policy.

 

I sympathise ! because I had my interest rate hiked up to a shocking 24.9% by MBNA - Of course, I am in dispute with them.

 

Now, whether they are allowed to raise rates like this, is another question but you can be sure that it is in their terms & conditions..

 

Don't let them get away with a thing and

Good Luck with your claim

 

Thanks

angry cat

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Balls!!

 

Oh well, whether they an or not is a question for later, first hings first is to get home and see what they've said about the £160 they have refunded me. Will definitely be back on tomorrow with the letter i've posted back to them!

 

James

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  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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