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    • Yes - ignore. Because of another MET victim today I looked at all our MET cases back to June 2014 ... yes, 10 years. They have never dared take a motorist to court and argue their case before a judge.  They have started the odd court case, but as a means of trying to intimidate the motorist into coughing up, when the motorist defended and refused to give in it was MET who bottled it and discontinued.
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    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
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MBNA/ Virgin Credit Card Charges Advice


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I have requested from MBNA that they refund charges amounting to £408.00 (£470.84 with interest)on my MBNA / Virgin credit card. The response received yesterday was the standard " we have done nothing wrong, we wont refund you anything"response. They have stated that they have exhausted their complaint process and that it is their final response.These charges are all £12 charges yet they were advised in 2008/2009/10 that we were in financial difficulties. In dec 2010 we entered a payment arrangement with them, which ran for the whole of 2011, and from this month have now just entered a DMP . During these times they continued to add charges and over the limit fees.

 

My questions are these:

 

1 .From Jan 2012 they have agreed to freeze interest and not make any further charges. If I pursue this refund claim could I potentially antagonise them and upset the upcart re the DMP ?

 

2. If its ok to continue to pursue this, shall I send them a LBA and hope they then re think, or not bother as they have said this letter is their final response on the matter ?

 

3. The next step, then I am assuming would be the FOS, I tried them with Halifax and they were next to useless and I am intending pursuing them through the court, but is it worth trying them with MBNA and then if I have no luck try the court ?

 

Many Thanks in advance for your advice.

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Hi

 

If you put this to fos you are likely to be on for a long long wait and TBH fos are pretty toothless in respect of charges...OFT said they wouldn't investigate cases where charges were levied at £12. (Doesn't make them lawful though)

 

You'd be best to prepare a Schedule of Claim spreadsheet (SOC) to find out what kind of sum you are looking at. You will find that with compound interest it comes to a significant amount.

 

CISheet v101.xls

 

 

ims

Edited by ims21

 

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In my eyes it doesn't matter whether they are miffed or not....this is a legitimate claim to get your money back. It will reduce (or in some cases clear) the debt. From your point of view that has to be a good thing.

 

ims

 

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Yes absolutely and I do agree, it would knock another nice chunk off of the debt. They have frozen interest now ( for the time being at least) and what I didnt want them to do was get miffed and decide to start charging again. I have no idea if they are so fickle ! I have looked at the link you sent, I am assuming I put the Interest on the card in the box at the top. What do I do if the interest changed over the years. To work out the interest I mentioned in the original post, I just used a calculator on another website and I think it charged interest at 8% across the board. Is this the wrong amount to ask for ? Sorry for all the questions.

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Hi

 

Forget 8%

 

Use the sheet I gave you and if the rate has changed then use the average of the rates they charged on the card.

 

See what the total comes to in relation to the debt.

 

ims

 

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Ok great. To be honest I ahve absolutely no idea what the average was. I will dig out all of the statements and see what figure I come to. Should I then send them a LBA and change the amounts I am requesting ( I asked for the 8% figure in my previous letter) , or just go straight down the court route. I have two more MBNA cards I am waiting for a response from with charges amounting to about £900 each before the interest, so it looks as though I can expect a similar response on those also. Thankyou for your time .

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  • 2 weeks later...

Back with another MBNA question please. Basically I am trying to reclaim charges on three accounts. One responded as above, the other with an offer of £112 ish ( I requested £900 ish ) and lastly another response today on the 3rd card of £357.53 ( requested £962) The letterstates they are arranging to credit my account with the amount offered and having checked today this has been done already. Obviously this offer is great and reduces the balance, but is it worth going back to them and asking them to reconsider a higher offer , or just accept what has been refunded . Any thoughts appreciated. Thankyou .

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  • 1 month later...

Further to my post of the 21st Jan re two of my MBNA cards. As mentioned then, both had offered to refund some of the money requested at that time. I did go back to them asking them to reconsider my requests for £900 and £962. I have received responses from both. One has refunded £2300 and the other £2500 despite me only requesting £900, but it appears they have refunded interest charges also. Obviously I am very happy with this. I hadn't actually pursued the MBNA / Virgin card further as I had decided to wait to see what their final response was re the other two cards, therefore having now received this, despite them telling me their offer of no refund whatsoever was their final response, I will go to them today and ask them to reconsider. We fell into difficulties with all three cards at the same time and our financial history and communications re all three cards are are identical. On that basis I feel its worth another shot before following the FOS route.

 

Anyway just thought I would update.

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