This topic was closed on 03/05/19.

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- Consumer Action Group

Absolutely not - the money is yours.

 

They have a legal obligation to hold that information for at least 7 years - and also have an obligation under the DPA to provide you with up to 6 years worth of data.

 

Write to them asking for a full list of charges on the closed account(s) with dates, amount and reason.

 

They will have 40 days in which to comply.

Would it be the same format letter as the one I posted in the Abbey forum? (obviously modified with the fact that the account is closed).

Absolutely not - the money is yours.

 

They have a legal obligation to hold that information for at least 7 years - and also have an obligation under the DPA to provide you with up to 6 years worth of data.

 

Write to them asking for a full list of charges on the closed account(s) with dates, amount and reason.

 

They will have 40 days in which to comply.

Would it be the same format letter as the one I posted in the Abbey forum? (obviously modified with the fact that the account is closed).

Dave:

They charge £30 a day for being above the agreed overdraft

Also returned items are £35 for standing orders, cheques & direct debits.

So no - it is no longer free - and mine is a classic account.

Dave:

They charge £30 a day for being above the agreed overdraft

Also returned items are £35 for standing orders, cheques & direct debits.

So no - it is no longer free - and mine is a classic account.

MBNA then

 

Could you start another thread in Other Institutions please.

Is it somehow possible for me to move this one and retitle it?

MBNA then

 

Could you start another thread in Other Institutions please.

Is it somehow possible for me to move this one and retitle it?

The "definitions" part of the credit agreement defines we, us as MBNA Europe Bank Ltd. MBNA Group.

That is the best I can see.

The "definitions" part of the credit agreement defines we, us as MBNA Europe Bank Ltd. MBNA Group.

That is the best I can see.

Oh my God .

In my understanding it would be MBNA and NOT the Abbey who are going to be my contact, as Abbey is just the branding for the card whereas MBNA handled the actual banking.

Sorry for the bizarre wording of that question but I have to write to the right people.

Oh my God .

In my understanding it would be MBNA and NOT the Abbey who are going to be my contact, as Abbey is just the branding for the card whereas MBNA handled the actual banking.

Sorry for the bizarre wording of that question but I have to write to the right people.

Hi all,

Found this forum yesterday haven't stopped going through paperwork since, sorry to have hi-jacked Paul1207's thread - apologies for that.

I am currently getting prepared to retrieve over £350 of charges from Abbey on my current account, and am confident of my facts and where I stand, however I have another problem which there might be nothing I can do about it and I would appreciate the advice:

When I joined Abbey they also offered me a credit card, being 19 I duly accepted and moved out soon after, and then the charges started settling in. The problem is, since then I've a) destroyed most of the statements, and b) I took out a long term loan to close the account.

So, my question is, if the account is closed have I essentially ruined any chances of getting my money back . I have a few statements left and those few already add up to over £200. I would not like to think of the final amount of charges I think it would be over £1000.

The Abbey credit card is handled by Co-operative Bank via. MBNA Europe.

Can someone offer me advice as to whether I should forget about the credit card pursuit?

Thanks in advance, special thanks to Dave, Stephen and BankFodder for their advice in Paul1207's thread.

Edit: Changed title to reflect actual bank rather than brand of card.

Hi all,

Found this forum yesterday haven't stopped going through paperwork since, sorry to have hi-jacked Paul1207's thread - apologies for that.

I am currently getting prepared to retrieve over £350 of charges from Abbey on my current account, and am confident of my facts and where I stand, however I have another problem which there might be nothing I can do about it and I would appreciate the advice:

When I joined Abbey they also offered me a credit card, being 19 I duly accepted and moved out soon after, and then the charges started settling in. The problem is, since then I've a) destroyed most of the statements, and b) I took out a long term loan to close the account.

So, my question is, if the account is closed have I essentially ruined any chances of getting my money back . I have a few statements left and those few already add up to over £200. I would not like to think of the final amount of charges I think it would be over £1000.

The Abbey credit card is handled by Co-operative Bank via. MBNA Europe.

Can someone offer me advice as to whether I should forget about the credit card pursuit?

Thanks in advance, special thanks to Dave, Stephen and BankFodder for their advice in Paul1207's thread.

Edit: Changed title to reflect actual bank rather than brand of card.

Will do I'm going in about 2:30 - 3:00.

Will do I'm going in about 2:30 - 3:00.

Nice one 8)

I believe mine to be a basic Lloyds account.

Nice one 8)

I believe mine to be a basic Lloyds account.

Thank you. That is my goal this afternoon, I have a Lloyds current account which I need to make sure is capable of the essentials such as direct debit and standing order - I have not used the account for some time so I need to make sure everything is okay before starting this.

Thank you. That is my goal this afternoon, I have a Lloyds current account which I need to make sure is capable of the essentials such as direct debit and standing order - I have not used the account for some time so I need to make sure everything is okay before starting this.

Okay. So adding something to this effect will pretty much complete my initial letter then.

or you can simply say that if they do not pay you your charges then your claim in the county court will be for the charges plus the interest they have charged on the overdraft value of this sum plus the County Court rate of 8% on the total plus your fixed costs.

Sorry if I missed it but how likely is it that Abbey will close my account during these proceedings?

Okay. So adding something to this effect will pretty much complete my initial letter then.

or you can simply say that if they do not pay you your charges then your claim in the county court will be for the charges plus the interest they have charged on the overdraft value of this sum plus the County Court rate of 8% on the total plus your fixed costs.

Sorry if I missed it but how likely is it that Abbey will close my account during these proceedings?

I thought that would be best so that's why I didn't include any figures.

Am I right that they have 40 days to respond to a DPA request?

What are the chances honestly of them actually fulfilling my request immediately? From my understanding and reading other people's accounts it is quite slim.

I thought that would be best so that's why I didn't include any figures.

Am I right that they have 40 days to respond to a DPA request?

What are the chances honestly of them actually fulfilling my request immediately? From my understanding and reading other people's accounts it is quite slim.

Thanks for the quick response,

I unfortunately only know of £388, there is a period where I don't know what was charged so I could either put £388 plus interest etc. and call it a day or wait for my list of charges over the entire 5 year period under the DPA request.

The only reason I have an overdraft is thanks to this whole messy business with Abbey (and CapitalOne but one thing at a time for me I think) so there are overdraft interest costs involved.

Thanks for the quick response,

I unfortunately only know of £388, there is a period where I don't know what was charged so I could either put £388 plus interest etc. and call it a day or wait for my list of charges over the entire 5 year period under the DPA request.

The only reason I have an overdraft is thanks to this whole messy business with Abbey (and CapitalOne but one thing at a time for me I think) so there are overdraft interest costs involved.