Well Mbna Whats Going On

[gbzstro]

Why dont you try Garath or Paul on the same number?

[nigel J sellick]

Just tried that number spoke to paul who apologised for the mix up with mr bailey i explained that i thought the charges were not reflecting what they actually owed me and said that id except them but i still wanted the full amount that i sould see on my subject access request... he told me that the print out they sent me was for all the charges i have been charged so there wasnt really a need to get the SAR but i told him i have had nasty phone calls from agents on there behalf which have been that rude ive put the phone down on them and that it has caused me untold stress ..........he promised to call me back within the hour lets see what he comes up with they offered me 310 there print out says 625 what do you think i should accept?

[nigel J sellick]

and what is compound interest on 625?

[nigel J sellick]

Ok Paul Phoned back offering me another 300 as he says that will now be 610 applied to my account

[nigel J sellick]

sorry so does it look like all im going to get is what they have said they have charged me?

[nigel J sellick]

Paul just phoned me back saying i dont need to send out the SAR again as hell do it on my behalf once he gets them he will forward them to me and as a further goodwill they wont charge me

[gbzstro]

Did you try and prompt him for a payment - I found Paul quite helpful to deal with.

[gbzstro]

Sorry just read the previous page of this thread - so the phone call got your offer up to £610 - not bad for a phone call - now phonew him back tomorrow and say that you have thought about it - and if they will also add the compound interest owed,then you will settle there and then.

 

Good Luck mate

[nigel J sellick]

Ok they have now credited my account with 610.00 there print out shows 625.00 of charges. Should this be a case won or should i get my SAR and do a final check? i asked him about the interest he said your not disputing interest??? please advise GBZSTRO

[gbzstro]

Explain that the interest is the part that they have already charged you on top of the penatly - if MBNA dont want to paly ball then you will have to the long route VIA MCOL.

 

I must admitt that I always insisted that I was going to claim compound interest in my Prelim letter and LBA. I will post up a copy of my LBA later when I get home but I added something like this

 

"Charges of XXXXX plus compound interest, which I will allow you to calculate"

[matty_yorks]

sorry to hijack the thread, but since phone calls seem to work with mbna - im trying to find out about my charges but im no longer a customer. could i call and ask for my old account number? and maybe get an offer there an then over the phone?

 

of course that would be too good to be true.

 

Well done evryone. sticking it to the credit card people. i just LOVE IT!

[caro]

Threads merged.

[nigel J sellick]

silly me what does MOCL stand for?

[caro]

Moneyclaim on Line. You can use this to start your court claim, or file an N1 form with your local court. It is all in the FAQ's and step by step instructions.

[nigel J sellick]

Well spoke to Paul at mbna again he looked at my account and said that the only compound interest they could work out was £169.19p and told me they will credit my account with that as that the interest charged on my charges i have asked them for my copy statements as originally requested. He said there is now a back log and i should get them in about 10 days.... He did hjowever point out that i can only claim the interest on charges is this correct? they gave me goodwill payment 310.00 then i refused a further payment of 300.00 and i asked for interest and a further payment of 170.00 =£780.00 you think they are still not showing me the true picture as not seen my statements yet as they never returned my SAR as originally requested

[caro]

It is only the interest on the charges. You can't claim all interest.