not too sure help please

[ronvin]

Hi not too sure what to do

My mother in law has asked for my help

She has a cc with mbna which is on 0% interest, She paid the bill but it took 3 days to clear instead of the normal 2, making payment a day late.

 

MBNA slapped a Whopping £200+ of interest on it and a £6 late payment charge, they also took her 0% off her. When she phoned to challenge it they said as a goodwill gesture they would refund the £6 on to her account and give her back her 0% but did nothing about the £200+ interest they put on her card.

 

This has happened once before, I know they can't do it but want to know which approach to take ?

 

Any advise would be appreciated

[emmaf01]

I would write with a formal complaint. This has to dealt with within six weeks. Write detailing the circumstances and ask for the interest to be removed. If they then don't refund the interest, complain to the FOS.

[Guest Old_andrew2018]

I would agree with the approach suggested by emmaf01, and would also advise setting up a direct debit arragement I do this with MBNA as their banker The Co-operative are very slow.

 

Andy

[emmaf01]

I'd make it a standing order- but only because I'm allergic to direct debits!

[ronvin]

thanks will let you know how i get on !