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MBNA/Restons CCJ/ CO


phatram
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Hi you are entitled to ask for your entire history with them - them giving it to you is an enetirely different matter though.

NatWest Bank charges

01/10/06 S.A.R - (Subject Access Request) sent

06/10/06 Statements arrived

17/10/06 Prelim letter sent claiming £929

23/10/06 Bog off letter received

25/10/06 LBA sent

01/11/06 Second bog off letter received

 

MBNA Credit Card

17/10/06 S.A.R - (Subject Access Request) + £10 cheque sent

26/10/06 Letter telling me they will respond by Nov 16th

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Yes under the data protection act you are entitled ask MBNA for all the information they hold on u.

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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Hi

 

If you are speaking to MBNA customer services its like hitting your head against a brick wall.:-x All they will do is try and confuse you and put you off making a claim.

 

So when it comes to data protection the best way to deal with non compliance is take MBNA to court via letter form only.

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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For anyone who doesn't know, its interest that may have started on a promotional rate which comes to an end, amd has to revert to their normal (ish) rate of interest.

Clear as mud to me !!!

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  • 1 month later...

Hi,

Mrs Phatram here,

Completing my Court Claim form N1 for my fight with MBNA. I know I've read somewhere that there are about 6 extra lines which must be included if I am claiming Compound Contractual Interest (this stops me from completing the MCOL) and can't for the life of me find the relevant info!

I would appreciate any swift advice!

Thanks

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My advice would be not to use MCOL but to use an N1.

 

Filing online restricts you too much in terms of the amount of info you can put.

 

Its up to you, if you want to have a look at some other peoples POC then there are many about on the site, mine can be seen at Glenn Vs Abbey/Barclaycard

 

Not saying they're brilliant but might give you a starter.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Of the 8 S.A.R - (Subject Access Request)'s I sent out in mid-December, they are the only ones yet to reply and their last day before I complain to the info commissioner is Monday............it might be worth calling them in a couple of weeks to check your SAR has been logged and is being actioned as they have been useless on mine - which address did you use?

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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Dont suppose they gave you a telephone number other than the usual customer service/complaints number? :)

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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cheers - found it - sorry to hijack your thread!

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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  • 2 weeks later...
Usual MBNA letter arrived today,

"We are investigating your complaint" etc.

I haven't complained, I want my S.A.R - (Subject Access Request) complied with !!!

 

 

Hi Phatram, this is par for the course with MBNA, they send out these letters as a standard response, bet it was signed by Stephen Bailey??!!!

 

Ring them up and remind them that they have x amount of time to respond.

 

Good luck!

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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  • 3 weeks later...
  • 2 weeks later...
  • 4 weeks later...
  • 3 weeks later...

Just spoke to Stuart Johnson who says he doesn't deal with claims??

Even though I have a letter in my hand from him !!

He refuses to send me a cheque for my money because " technically, it isn't mine".

He paid my wife out by cheque and she owes them more than me.

Shall I just continue with MCOL?

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Phatram, sorry for late response. You really ought to have filed at MCOL by now and I would just go ahead and do it, don't take any notice of Stuart Johnson, he is irrelevant in this. Just put your claim in. Technically he is an idiot:rolleyes:

 

Good luck and keep us posted

 

Regards,

 

Corn x:)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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  • dx100uk changed the title to MBNA/Restons CCJ/ CO
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