Castlebest stays at the MBNA (village People)

[Castlebest]

Well I am coming to the end of the files in my box and the last one is MBNA I started asking for information from them back in 2007, got very little from either a Data Protection Act SAR or a Consumer Credit Act section 78 letter but thats about standard fro MBNA.

 

In the mean time I found most of my old statements detailing this account all the way from 1997 with just one year missing so I sent off a preliminary letter and an LBA.

 

The made derogatory offers of under 10% of the claim value so as the court traffic has thinned a little I will submit the claim to County Court.

 

pete

[jobmid]

good luck pete asnd keep us updated i will sub to your post

[Castlebest]

Update on MBNA

 

 

I checked my claim, it goes back to May 1996 (over 13 years), so I issued the writ at the end of September for;

• Unlawful charges
  
• Contractual interest levied against those charges.
  
• Miss-sold PPI
  
• Contractual interest Levied against Miss-sold PPI
  
• County Courts Act section 69 interest
  
• Court Fees
  

The acknowledged the writ on time and then made an "in the interests of not incurring further costs" offer of the full value of my claim .

 

So Job done, site donation sent and thank you MBNA

 

pete

Edited October 26, 2009 by Castlebest

[MBNASlayer(1)]

Wow

 

Well done Castlebeast. If you dont mind me asking how much did you manage to claim?

[Livis]

Wow! well done Castlebest, you managed to claim everything back from MBNA i'm impressed.

It sounds like it was a fairly quick process from the time you put your claim into the court process?

[Philip23]

Well done Castlebest!

 

Am about to try and reclaim PPI and some charges, not amounting to very much but I hate MBNA with a vengence!

[Castlebest]

It was quick, about a month, but this is because they decided not to contest the claim. If you can prove your facts I don't think there is really any good defense to a credit card claim, Citi do try and I have a claim against them comming up so we will see what they can do .

 

As to value, it was quite a lot but because this claim went back so far a good proportion of that was interest, in my case it is something like;

 

Charges 15%

PPI premiums 18%

CI charged 22%

CCA interest 45%

 

pete

[landy_alert]

Well done Castlebest!

 

Great inspiration for those of us who have been offered refunds from MBNA, but no contractual interest:D

[pinkduchess]

well done pete

[**Tilly**]

Nice one Pete

[Camdenite]

Hi, Just stumbled across this thread.

 

Out of interest, had you previously gone via the FOS? I ask, because I'm wary of taking this to court when the FOS have already agreed with MBNA's contention that CI should not be compounded.

 

Also, any help you can offer in in respect of filing at court further down the line would be much appreciated.