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Guest suziedarkness

MBNA - They think they are above the law!!

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Guest suziedarkness

I recently wrote to MBNA regarding the charges they had applied to an old account I had. They ignored my letter. I wrote to them again after the inital time limit sending them a 14 LBA. Again I heard nothing within the time.


I was just about to issue a claim at MCOL when a letter from them drops through my letter box.


They disagree that their charges are unfair and they are not prepared to offer to settle the complaint, but, as a gesture of goodwill they sent me a payment of about 30% of my initial claim.


Their letter stated:


"You may know that the Office of Fair Trading issied guidelines in April 2006 in relation to the level of credit card default charges across the industry. MBNA disagrees with the OFT's interpretation of the law and continues to maintain that its default charges have always been fair, legal and transparent. However, we decided to reduce our default charges to £12 with effect from 29 June 2006 for late payment and returned payments and 28 July 2006 for overlimit fees.


Nevertheless, we wish to resolve your complaint to your satisfaction. We would therefore like to offer you a goodwill payment of £***, which will effectively reduce all of the fees you have paid to the reduced fee level of £12.00. we must reiterate that we do not accept the OFT's position, and that this payment is offered solely as a matter of goodwill."


Where do I go from here folks? Do I just accept the payment in full and forget the rest, or can I accept as partial payment and press ahead as planned for the rest of the money?



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