mbna

[susannah752]

Hi

 

Does anyone know if you can claim back the new £12 charges they have now started, as I read that the OFT have suggested they cut their charges to £12,

and I have been charged a £12 late payment fee?

 

Many Thanks

 

susannah

[surreyscouse]

Jeez, will we ever learn ? (joking)

 

Hmmm, I wasn't aware that they had reduced the charge down as I haven't received a new statement for a couple of months so I am supposed to guess what my monthly payments are !

 

Anyway, no harm in experimenting. I haven't come accross anybody with the £12 charge yet.

 

What I would say is , have you had any other charges that go back when they were £25, £20, £15 etc ? Have you claimed them back yet ? If not, add them all up and claim the new £12 as well, they won't argue for the sake of £12.

 

Also, MBNA will say that the OFT have said £12 is acceptable, this is not true. The OFT have said that over £12 is the limit at which they would take action. The same principle still applies, does it really cost them £12 for you missing a payment ? Of course not.

 

Crikey I am rambling here, If i was you i would i'd go for it. it's less hassle for them to refund it than argue with you, get on to the advocates office !