MBNA credit card

[dellydaisy]

Just re read your tread from start to finish again!!!

 

Its absolutely great!!

 

Brilliant letters

 

Well done

 

del x

[DavidBellchamber]

Phil,

 

Well Done!

 

As always you're a great source of encouragement and inspiration (not to mention great entertainment!).

 

My 'journey' with MBNA will start shortly, thread to be started here. My court claims are currently going through for Mint and Capital One, so I'll probably wait for the outcome of those first.

 

Best Wishes

 

David

[surreyscouse]

well done phil, sounds like a great result to me !

 

Your letters are of the highest quality!

[Philip Hindley]

Thanks everyone for your kind comments and support.

 

Received a second cheque this morning, as was promised by Gareth Tunicliffe, on Thursday.

 

Can now afford to make a donation, start claims against the Alliance & Leicester and Lloyds TSB and take the kids on holiday for the first time in five years!

 

Good luck to everybody claiming against the banks, and DON'T GIVE UP!!!!!!!

[give_me_it_back]

have a GREAT holiday, Phil! We'll miss your wit on the boards, although I have saved it as pure inspiration!

[Philip Hindley]

have a GREAT holiday, Phil! We'll miss your wit on the boards, although I have saved it as pure inspiration!

 

Thanks for your kind thoughts.

 

We won't be packing the buckets and spades 'til mid August, so I've a lot of work to do before then.

 

I received a really snotty reply to the LBA letter I sent to the Alliance & Leicester three weeks ago, so they're now next on my list.

 

As soon as the cheques from MBNA clear I'll be starting my Moneyclaim against them (A&L, that is!)

 

Lloyds TSB have been trying to be nice to me since I sent them a LBA (its true, honest!), but ultimately it won't save them.

 

How these two work out depends on whether we end up in Blackpool (just down the M55) or somewhere hot(ter) and sunny(nier)!!!!

 

Watch this space (or, rather the A&L and Lloyds TSB threads)!!!

 

cheers

[give_me_it_back]

Great Phil! I will watch those boards with great interest.. Fellow Mac lover!! I couldn't agree more with your comments about them! I'd put PC's in the same room as banks and let them blow themselves up!!

[Moneydownthedrain]

Well done Phil, Excellent result, your letters are a work of art and an inspiration. I'm still on count down for my copy of agreement but when the time comes I hope I can count on your letter writing skills for the correct wording.

 

The advice on this site is wonderful and with the help and support offered by everyone we must be giving the banks one hell of an headache. Isn't pay back a bitch.

Moneydownthedrain

[Philip Hindley]

Well done Phil, Excellent result, your letters are a work of art and an inspiration. I'm still on count down for my copy of agreement but when the time comes I hope I can count on your letter writing skills for the correct wording.

 

The advice on this site is wonderful and with the help and support offered by everyone we must be giving the banks one hell of an headache. Isn't pay back a bitch.

Moneydownthedrain

 

Dear Mdtd,

 

Thanks! Please feel free to use anything you feel appropriate.

 

I'd love to have been able to see the faces of some of the objectionable people I've written to when they realised that, what they had thought of as a minor irritation was in danger of turning into a major source of aggravation.

 

Some have been ok (see Gareth Tunicliffe, above) and although they've had to toe the party line, I hope, privately, they may have been amused at seeing their superiors treated with disdain and irreverence.

 

In previous postings I've expressed my opinion about the most valuable benefit given by this site: regardless of any financial return of illegitimate charges, to be rid of the shackles of guilt deliberately heaped on our shoulders by financial institutions when we fall on hard times, and to be able to turn the tables, has been one of the most uplifting and liberating experiences of my life.

 

The best of luck to you in your claims. You know where to come if you need help!

[Moneydownthedrain]

Dear Mdtd,

 

Thanks! Please feel free to use anything you feel appropriate.

 

I'd love to have been able to see the faces of some of the objectionable people I've written to when they realised that, what they had thought of as a minor irritation was in danger of turning into a major source of aggravation.

 

Some have been ok (see Gareth Tunicliffe, above) and although they've had to toe the party line, I hope, privately, they may have been amused at seeing their superiors treated with disdain and irreverence.

 

In previous postings I've expressed my opinion about the most valuable benefit given by this site: regardless of any financial return of illegitimate charges, to be rid of the shackles of guilt deliberately heaped on our shoulders by financial institutions when we fall on hard times, and to be able to turn the tables, has been one of the most uplifting and liberating experiences of my life.

 

The best of luck to you in your claims. You know where to come if you need help!

 

Hi Phil,

Thanks for that, I will take you up on it later. Your 'shackles of guilt' statement is so true. In nearly all the telephone calls we received (which have fortunately stop - Thank God)

 

It was:- 'it is your debt' 'why have you reduced your payments'

'your account was always up to date, what went wrong' 'if you pay the oldest overdue amount, we will etc' Over and over again, the same questions only the accent was different. No one would listen to what I was telling them. It was so disheartening and many times damn well annoying. It was only when I told them, I couldn't pay any more and that I would just have to see them in court, it stopped.

 

COA letter - I've never known 12 days to take so long.... three down and counting...

Thanks again

MDTD

[Moneydownthedrain]

Hi Phil,

Just 4 days on and I have received my copy of agreements from Steve Bailey, time to rethink my approach. MBNA must be getting their act together.

Moneydownthedrain:x

[dellydaisy]

Still no word from mbna other than they will respond to my complain in 28 days!!!

 

Perhaps im too eager!!!

[dellydaisy]

Still no word from mbna other than they will respond to my complain in 28 days!!!

 

 

 

Perhaps im too eager!!!

Ooops sorry i posted this on the wrong thread!!!

 

that will teach me to try and be clever and do two things at once!!!

[kellyplanet]

Stuart Johnson must have had a promotion. Because the letter I received dated 7th December was titled Stuart Johnson Assistant Vice President!!!

[heckmondwike06]

Dear all I need contact telephone number of someone regarding MBNA charges, basically they have misplaced some of my account details and therefore I cannot get all the charges back. Thanks heckmondwike06

[catherious]

Hey heckmondmike,

 

Just caught your post.

 

Still looking for the telephone number? I found it in an earlier related thread.

 

MBNA CUSTOMER ADVOCATE OFFICE - 01244 672628.

 

I haven't called them myself as yet, I'm planning a Data Protection Act letter for initial contact.

 

Let me know how you get on, I'll be keeping my eye on the MBNA threads.

[hoople198]

I have a bit of a dilema that maybe someone could help me with, i have entered into an agreement with mbna where they have agreed to stop interest for the time being due to loss of income divorce etc , would i upset this agreement by claiming my charges or should i just be grateful for their help on this occasion many thnks

[Philip Hindley]

I have a bit of a dilema that maybe someone could help me with, i have entered into an agreement with mbna where they have agreed to stop interest for the time being due to loss of income divorce etc , would i upset this agreement by claiming my charges or should i just be grateful for their help on this occasion many thnks

 

Hi Hoople!

 

Do you know how much of your debt is made up of MBNA's charges?

 

If you can arrive at an amount from your past statements, it would help you weigh up the pros and cons of commencing an action to have those charges refunded.

 

My reasoning would be that, whatever charges MBNA have imposed in the past, those charges are unlawful, and, to add insult to injury, they will have charged you interest on YOUR money AND will continue to do so in the future.

 

However, only you , when you have worked out the sums, will be able to decide whether or not to proceed.

 

Of course, if you do nothing now, there is nothing to stop you making a claim in the future, unless there are any changes in the law.

 

Good luck, and I hope things turn around for the better in the near future.

[iwannabedebtfree]

hoople, i was in an agreement too and had over half of my balance wiped out due to charges and interest. im now in a position to go back within my terms and conditions. But everyone is different so do the maths and work out how much you have been charged and look to recover the money, then look at whether the agreement is still the best for you.

[joesoap]

Hi Phil

 

Just came across this thread and read straight through, very interesting.

 

I've just managed to get a full refund from Black Horse. I'm now trying same with MBNA; bit of a problem though and I thought you might be able to assist. My MBNA debt is from quite a while ago (might squeeze in 1 or 2 years charges) but was sold (I assume) on to Wescot. Do I claim the charges back from Wescot as I assume MBNA do not officially hold the debt? I am about to send off a CCA to Wescot for a copy of my original agreement (if they own the debt they should have this) and hopefully they will enclose a Deed of Assignment. I want to make sure that there is a debt to be repaid (obviously there is as I am paying little bits off) but if there is no credit agreement, there can't be a debt and I shouldn't be reclaiming charges on a debt that doesn't exist. Any thoughts? I may be trying to be unscrupulous which is not normally in my nature but this is something the banks have been doing for years!

 

Cheers

[pombix04]

Hi everyone. Pombix here.I have found this great site via a friend of mine. My first Q is how do I create a THREAD thing

[Philip Hindley]

Hi everyone. Pombix here.I have found this great site via a friend of mine. My first Q is how do I create a THREAD thing

 

Hi Pombix,

 

Welcome to the forum!

 

Sorry I haven't replied before. I've had a busy day!

 

To start a new thread:

 

1. Select the forum for the instutution from which you are seeking re-imbursement.

2. At the very bottom left, at the end of the first page of listed threads, click on the box that says NEW THREAD.

Type in your query, request for help or story and follow the directions.

 

Look forward to reading your thread soon,

 

regards

[Philip Hindley]

Hi Phil

 

Just came across this thread and read straight through, very interesting.

 

I've just managed to get a full refund from Black Horse. I'm now trying same with MBNA; bit of a problem though and I thought you might be able to assist. My MBNA debt is from quite a while ago (might squeeze in 1 or 2 years charges) but was sold (I assume) on to Wescot. Do I claim the charges back from Wescot as I assume MBNA do not officially hold the debt? I am about to send off a CCA to Wescot for a copy of my original agreement (if they own the debt they should have this) and hopefully they will enclose a Deed of Assignment. I want to make sure that there is a debt to be repaid (obviously there is as I am paying little bits off) but if there is no credit agreement, there can't be a debt and I shouldn't be reclaiming charges on a debt that doesn't exist. Any thoughts? I may be trying to be unscrupulous which is not normally in my nature but this is something the banks have been doing for years!

 

Cheers

 

Hi Joe,

 

As you will have observed, your scenario is very similar to the one which I had with MBNA, except that my debt was sold on to First Direct.

 

I've been too busy chasing the re-imbursement of charges from other banks to sort out First Direct yet, so you are ahead of me on that one, but their turn will come!

 

MBNA were the people who imposed their unlawful charges on you, in the first place, and then charged you interest on those charges.

 

Whatever sum they sold your debt for, will have been related to your total outstanding debt, according to their accounting.

 

If they consider that they made a loss, then they will have been compensated by paying a reduced amount of tax.

 

Therefore, I would have no hesitation in claiming back from MBNA the full amount of their charges, plus contractual interest.

 

This is what I did, and, as you know, received a repayment in full ( having, of course, been given the initial brush-off).

 

Once that is sorted out, you can go after Westcot, and it may well be worth pursuing the legality of their claim on you. I seem to remember it was, I think, Surreyscouse, who was making a similar argument to yours.

 

I will be interested to know how you go on, and, if you get a positive outcome, I may be seeking your advice.

 

cheers

[joesoap]

Cheers Phil

 

Should I wait until Wescot reply before approaching MBNA.

 

Ian

[Philip Hindley]

Cheers Phil

 

Should I wait until Wescot reply before approaching MBNA.

 

Ian

 

Hi Ian,

 

I wouldn't.

 

Treat them as completely separate claims, and don't let them try to pass the buck from one to the other.

 

In essence: MBNA imposed the charges; they should repay them: Westcot may not have a legitimate claim on you; it is up to them to prove it.

 

cheers