No the balance was not cleared in full the previous month. However I have also cleared some other cards off in full and they have not charged any interest this month

I have just paid off a credit card balance in full before the due date. Checked the account online and the balance was showing as nil. Today I have received a statement with an interest amount shown added to the account after the entire balance had been cleared. I was under the impression if the full payment was received before the due date the account was cleared so I'm not sure what this interest relates to. Would be grateful for any advice. Thanks in advance

no actually this is for a domestic property - but v large house with a swimming pool complex

In 2008 moved to UW. They did not accept the opening reading for one of the gas meters so the account was opened on a deemed reading. This meter has subsequently been read by their actual meter readers and myself but because their system does not accept the readings they have continued to estimate the bill. They then send out a letter stating there is a credit of over £4k on the gas account so they are going to reduce the direct debit to £5 (from £700). This is queried obviously. Their system finally accepts the meter reading and it transpires that the account is not £4k in credit but £7k in deficit. Then it gets worse. They have been estimating an electric meter on a night and day rate but it is a single rate meter. No one has ever given them two reading for this meter and it has been seen by their actual meter readers. The estimated usage has allowed over £6k deficit to build up. So after having paid over £12k Jan09-Nov09 for gas/electricity they require another £13k to bring the account up to date. To continue to estimate the readings (when actuals have been provided) enabling such a large deficit to build up is irresponsible in my opinion. As the direct debit was increasing I had no idea this situation was arising. I would like to move to another supplier but this can obviously not happen until the deficit has been cleared but as such a high amount it is not something I can do in one go.

Another successful MBNA claim..... Reason: Mis-sold PPI on OH credit card due to self employed. Account opened in 2000 Action taken: 30 Jan 09:First letter to MBNA sent 05 Feb 09:Received an standard 'we are investigating your complaint' letter 20 Feb 09:Followed by a negative response from MBNA advising if unsatisfied could take up with FOS with the paragraph re outside of the time-limits. 25 Feb 09:Complaint form sent to FOS 20 Mar 09:Letter from FOS advising investigating further with MBNA 15 Apr 09:MBNA confirmed an offer of a full refund of premiums paid, along with associated interest plus interest at 8% 18 Apr 09:Sent settlement form back to FOS 09 May 09:Letter from MBNA advising refund of premiums since inception date £1,827.17 associated interest £422.79 so £2249.96 credited to account. A cheque for £791.14 being sent in the next 7-10 working days. Total refund £3041.10 Thanks to everyone on this site who gave me advice on this forum. Donation on its way once cheque cleared.

That is fantastic news - well done you. Just wondering how you're progressing with MBNA as we'd both received the same letter from them a while ago for our reclaim due to self employment. I went straight to the FOS in February 2009 and last week received a letter stating MBNA were willing to make an offer. This would be a refund of all the premiums paid, plus associated interest plus 8%. (Account opened in 2000 and PPI cancelled in Febuary 2009.) I'm really pleased with this result being my first PPI claim and was just interested to see how you were getting on. Ollie

Thanks for coming back so soon aa. I didn't have an original SAR - do you think it would be worth while getting one to double check the amount? Also in our opinion do you think I would be better to settle as opposed to continue? Thanks in advance Tracy

I have today received a letter from the FOS stating the following: I am writing about the latest position on your complaint about your payment protection insurance (PPI) policy with MBNA. MBNA have provided me with an offer prior to me completing my view of the case, they are prepared to make an offer to settle your complaint now but without admitting any liability. This offer by MBNA is subject to you agreeing to the cancellation of the PPI policy - if still in force. This will mean that all insurance cover provided by the policy will be lost. I am afraid we cannot give you advice on alternative insurance arrangements, and you may wish to seek independent advice about the options available to you before deciding whether to accept the offer. MBNA has confirmed its offer will be based on a full refund of premiums, along with associated interest, plus interest at 8% in full and final settlement of your complaint. It has also confirmed that part of the refund will be placed against the outstanding debt on your account to reduce the palance to zero and compensation of 8% will be issued in the form of a cheque. If you choose not to accept MBNA's offer, we will continue with our assessment of your complaint, which depending on the the outcome can be referred to an ombudsman for a final decision. If you have any new points that you think would make a difference to the outcome, please let me have them by 29 April 2009. If you are unable to reply fully by then, I would be grateful if you would let me know now. Otherwise, please sign, date and return the attached settlement form - so it reaches me by 29 April 2009 - to confirm your acceptance of the offer in full and final settlement of your complaint. I will then pass the form to MBNA and ask it to pay you directly. I look forward to hearing from you. Jan Teal Adjudicator My questions are: 1. Should I accept the offer? 2. I do not have all my statements from 2000-2009 so how can I be sure that the amount paid is correct? 3. Do I have to accept the refund used to clear the debt on the card? 4. Are MBNA likely to then close my account due to the claim? I am a complete newbie in this area - but really in need of the money so any advice offered would be gratefully received. Thanks in advance Tracy

Today I have received a letter from the FOS advising that MBNA have provided them with an offer prior to the FOS completing their view of the case. MBNA have confirmed its offer will be based on a full refund of premiums, along with associated interest, plus interest @ 8% in full and final settlement of the complaint. It has also confirmed that part of the refund will be placed against the outstanding debt on the card to reduce the balance to zero with the remainder being issued in the form of a cheque. My only concern is that I do not have all the statements dating back to 2000 so how will I be sure that the amount offered is correct? I think this is a great result for the price of a couple of stamps and letters - and think I should probably accept the offer - but just wonder why MBNA have responded so quickly when normally they seem very difficult to get money out of. Any views would be appreciated. Many thanks Tracy

:(Oh dear - well I wish you all the best with your claim and hope that if I'm VERY patient I might be lucky too.

Latest update Today received a polite letter from the FOS advising that they are contacting MBNA for further information. Then as soon as they can they will pass the complaint to one of their adjudicators. Advised it may take a while due to number of claims etc but did promise that they will write again as soon as possible - and certainly within the next 2 months to keep in touch. So whilst I appreciate it is likely to be a very very long wait - I remain hopeful!

Oh no - I hadn't realised it was going to be as long a wait as that - but as you say if the outcome is positive, it's worth it for the price of stamp. Hope your results work out in your favour. Ollie

Have just received an acknowledgement of safe receipt of correspondence from FOS - however warned they are currently have high volumes of enquiries and that they will provide a full response as soon as they can. Allocated a case number - so its a start to what I think will be a very long process - but hopefully worth it in the long run.

Thanks for the advice. I have completed the FOS complaint form and am sending off today. Thanks again

Thanks for your quick response. They have stated that they have now exhausted their complaint process and therefore they must inform us that this is their final response on the matter. Should I still send them another letter to ask them to reconsider? Ollie Bollie

Have received a standard template No letter regarding refund of PPI due to self employment - with a copy of the original application form which has a tick highlighted in the Yes box. However have looked very closely at the tick it is different to all the other ones. Should I go back to MBNA again or directly to the FSO? Thanks in advance Ollie Bollie

Having looked closer at the copy of the application form MBNA provided it would seem that the tick for the PPC is different to the other ones on the form. Should I send a request for the original and if so, do I state in the letter my reasoning behind it? Look forward to receiving advice - this is my first PPI reclaim so want to make sure I do things right. Ollie Bollie

Many thanks for the responses - I have today sent them another letter I am writing in response to your letter dated 20 February 2009, with regards the insurance sold with my credit card. Your reference is 160273/AJ. I do not feel your letter has offered a satisfactory justification that my policy was sold fairly, reasonably and within my best interests so I request that you look into my complaint again. If I do not receive a more favorable response within 14 days I shall be taking my complaint to the Financial Ombudsman. So I will see what response I get from that and if necessary take the complaint up with the FOS. Gordons Barking - I'm not entirely sure what you meant in the first line of your post - could you clarify for me please. Many thanks Ollie Bollie

We have just received a response from MBNA following our request for PPC premiums to be refunded as my partner is and was self-employed at the time he took the card out. They sent a copy of his original application which he had ticked, so their response is that: a) he requested the cover b) confirming that even though he was self-employed he would still be eligble for the PPC however, certain criteria must be met in order to claim c)since the policy was applied updated versions of PPC T&C's had been issued and were sent in May 2003/November 2005 and Jan 2007 - this provided him with an opportunity to discuss details of the policy with them. d)PPC premiums are clearly shown on the monthly statements and it is the customers responsibility to check each statement and contact them should they dispute any transactions e)the cover is optional and could have been cancelled at any time - but no previous requests were made to cancel it but they have cancelled it now They conclude with hoping we find their response acceptable and have now exhausted their complaints procedure so this is their final response to the matter and we should contact the FOS but because the account was opened in 2000 it is outside the time-limits for referral to the FOS. The letter is from Gail Powell - Vice President I would be very grateful to understand whether we should walk away or is there any chance we could pursue as the amount paided over the years runs into thousands of pounds. Many thanks