This topic was closed on 11 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

This topic was closed on 2019-03-08. 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

Had all my statements so no need for DPA route - hooray for hoarders! Sent prelim letter on 19 April followed by LBA on 4 May. Received cheque for half (£160) as a "goodwill gesture" - confirmed that I would accept this but pursue MBNA for remainder (£165). About to issue proceedings yesterday but telephoned Advocate's office first and they agreed to refund outstanding £165. Very happy - so thanks to all on this Forum. I will make a donation so that you can keep up the good work. Purp

Cannot find the answer to this - any help welcome. The pro-forma letter refers to charges "plus £XXX which you have charged me in overdraft interest for the sum which you have taken". I was planning on using my statements to calculate the amount of charges rather than sending a DPA letter. Would sending a DPA letter enable me to calculate the interest? How is this calculated? The amount referred to in the letter does not sound like the same thing as the 8% statutory interest, which is only demanded on the claim form. Thanks. PURP22