Hi Pink, If you are claiming contractual interest then you can't claim the s.69 8% interest. As far as i know it's either one or the other. I did you get any replies from your prelim ar LBA letters? i only ask as ive just sent my prelim off 4 dys ago just wondered what kind of a responce i'll get, i also sent a partial rejection letter for the amount they offered me

Hi Daz, not sure with Barclays who you would complain to, however if you have sent your Prelim letter, then when the 14 days are up continue with the LBA, it is quite normal that you won't get a response from the banks,just remember stick to your timescales not theirs, good luck Lee:D

Hello, now we are getting down to business:) spent today writing partial acceptance letter for the "goodwill" payment of £320, and also my prelim approach for the true amount plus interest at 22.4% full claim going in at £1,167.01. going to send that recorded delivery tomorrow. Let the battle commence Lee:D

Just added it all up,£848 in total. going to spend the next couple of days swotting up again and start the next phase. Lee:D

Hi all just thought i would pop in and say hello, i've been away all week and only just found out about whats happened, i hope the chat room will come back to us soon, only been online an hour and i miss it already, speak to you all soon Lee:D P.s nice peom ChloeJane

hello, sent off LBA for request of SAR 8th May and also CCA requst, today i received, my statements HOORAY!!!! also by the looks of it their standard letter, saying "Their charges are fair and reasonable, and they stand by them etc. they also say i agreed to their charges in their terms and conditions etc etc and that they do value my custom so they have provided me with my statements free of charge ( however they didn't send back the cheque ) and the have offered me a goodwill payment of £320" ) so i'm going to sit down now with a highlighter pen and add up how much has been taken in charges. back soon Lee

Hi Nuttybeck Welcome to the CAG The best thing to do is to start a new thread in the HSBC section and introduce yourself ther, that way you can be helped by the people who have the most experience with them, also most importantly read upon as much info as you can so you know what to expect from the banks, start here http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ also read the other threads in your banks forum so you know how HSBC play ball. see here http://www.consumeractiongroup.co.uk/forum/hsbc-bank/ keep us all posted on your progress good luck Lee:D

thanks Choppers, i am over my credit limit by about £110 so thats what it is then, saying that the £110 is made up of charges and interest. It might have been nice to receive a letter rather than a text message though. Many thanks Lee:D

Hello all, just a quick one this time:) I just noticed on another thread i've been reading that they mention GVI, i take it they are a debt collection agency, i have received several text messages saying to ring GVI, i have been ignoring them because i didn't know who they were and i thought it might be a [problem] or something, if they are a DCA how can they just text me and expect a reply, when i have had no correspondence by letter by this company or even how much the debt is for, is it just me or is that a bit naughty. Lee:D

Hi Choppers, sorry to jump in on your thread, i noticed you mentioned GVI, i take it they are a debt collection agency, i only ask, as i keep getting text messages saying "can you please contact GVI on this number" i have always ignored them thinking it might be a [problem] or something,

Hi Jules, MBNA have missed my deadline too, time was up on Friday, so i am gonna do the same, also sending them a CCA request, i have read a lot of threads and they seem to be stalling with most people here or not sending out all the info requested, i will keep an eye on your thread as you are a lot more experienced at this than me, i will hopefully pick up some top tips:) All the best Lee:D

Hi everyone again, well the news is that MBNA have missed the 40 day SAR deadline, so if they can't manage to send that to me within 40 days then that is just shocking, whats the matter with these people!!!! So the plan is now to file with the courts for the SAR, and also to send off my CCA request, gonna read up some more and sort that out over the weekend, i will be back if i need help (probably will:o ) Don't let the b*****ds grind you down Lee:D

Hi Standing, sorry i havent been able to help you out with anything, working away all week can be a pain in the a**e, it looks like you are flying ahead of me now, well my story is that they have missed the 40 day deadline so it gonna be full steam ahead now, with filing with the courts for SAR, and a CCA request, its pretty shocking that they can't even get an SAR sentout 40 days Lee:D

thanks again corn, you are a diamond:) i found that letter earlier, i will get that printed, and sent off, i will also read up some more on this. Lee x:D

hi Corn, i havent sent a CCA request, cant remember when i took the card out, it was a few years ago, forgive me for being a bit dull, i read something about a CCA request but i thought you did that if your account had been passed onto a collection agency, i will read up some more on this, i work away all week so i wont be online now untill next weekend, i will keep you updated on a weekly basis:) thanks for the advice Lee x:D p.s. procrastinate is a lush word, i had to look up what it meant lol might try and slip it into conversation 2moro

Hi biting, welcome to MBNA, i have 5 days left until the deadline is up on my SAR, so i may have to send a non-compliance letter if nothing happens, by the looks of the threads i have read MBNA are a complete nightmare to deal with, either by letter or on the phone (nice and polite but not very helpfull) as Redsue has said, make sure you send ID with a note saying for the avoidance of doubt, your SAR is to be treated as such, good luck with it and i'll see you in live chat no doubt, Lee:D

Hello again, i spoke to a very nice but not very informative lady from MBNA yesterday, about the fact that they said they would respond to my complaint, (not really a complaint but my SAR) by the 23rd April, she told me that they are very busy at the moment, and they are trying to get through the backlog, i reminded her that the deadline for SAR is up on 4th May, and she said the same again that they are busy and doing their best, however, they are not that busy that they have time to send me a letter saying i am £118.20 over my credit limit and i am required to pay it immediately (which is made up of charges and interest) at this rate it looks like a non-compliance letter may be in order for next weekend, Lee:D

Hi everyone, the date MBNA sent me saying they would give me a full response to my complaint has come and gone with no reply, not to worry they have untill next friday 4th May to send me my statements, if no joy then we shall have to take things further,and there was me thinking maybe they are not that bad, ha ha ha, i live in hope:D Lee:D

Hi Standing, i am running 5 days behind you, MBNA said they would investigate my complaint and get back to me by 23rd Aprill with a full response, ha ha ha, its now 27th and nothing, still, they have untill next friday to supply me with my SAR request, we shall see, let you know if anything happens Lee:D

I like your style Ladybird:D I am slowly getting the hang of this MBNA forum, and ive come to the conclusion that there are 2 people to be scared of Ladybird and Cornucopia lol:D sorry to hijack your thread Lee:D

Hi Penny, not sure about the non compliance letter, but i have read a few threads here and they say that MBNA wont treat your SAR request as such without ID, i was given this bit of advice on my thread, it might help, Also, did you include ID? If not, they will leave it until your 40 days are up and then send you some random statements and a letter saying that they have not treated your SAR as an SAR. They will then tell you they have another 40 days......I don't think so!! If I were you, I would follow up with a short note, referring to your SAR, include a copy of your driving licence for example and say that for the avoidance of doubt, you SAR is to be treated as such. Also, stick ridgidly to your timetable, not theirs!! Hope that helps, maybe someone with a bit more experiance with MBNA can be a bit more informative Lee:D

Hi Pinky, this is the link for the spreadsheets, http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html scroll to the bottom of page Vampiress' chamber of spreadsheets and read up on how to go about using them, you may have to open a google account to use them but it is free to do so and all instructions are there:) With regards to the letter have you sent SAR, if so then the next letter is the prelim, Good luck and keep us posted on your progress Lee:D

Thanks for the replies Empowered and Standing sorry its taken so long to reply i work away all week so only get online on weekends, hopefully it will be good news with an offer (i can hope lol) they havent cashed my cheque as yet Standing, to be honest i didnt think i would get a reply because i didn't send it recorded delivery, i'm sure they will respond to your request though, will keep you all updated keep smiling Lee:D

Hello all, its been a while since i last postedcuz its been a bit quiet on the MBNA front, however received a letter friday which i was surprised at cuz i didnt send SAR recorded delivery, i was expecting them to ignore it and have to start again, anyway, by the looks its a standard thank you for my letter and they are currently investigating my complaint and that they will provide a full response by 23 April, which to be fair to them is 13 days before the 40 day deadline is up, i am assuming that the full response will be all my statements, we shall see, anyway keep up the good work everyone and i will let you all know what happens Lee:D

Hi Lulu The address i sent mine to is MBNA Europe Bank ltd Stansfield House Chester Business Park Chester CH49QQ Include your cheque for £10 and also include some ID, as i've been told and read that they leave the claim for SAR for 40 days then ask for ID and another 40 days, always good to be 1 step ahead of them, with regards to Comet it might be worth looking around this forum and maybe starting a thread there http://www.consumeractiongroup.co.uk/forum/retail-stores-forums/ Good luck and keep us posted on your progress Lee