Could it really be this easy!?

[cantsay]

Hi, requested my charges from MBNA 6th Sept, they sent a letter back saying sorry I was complaining (I wasn't at that point!) and that they would send me my charges shortly. They arrived yesterday along with a good will offer of £480!. Now I saw Greatwonders thread on here a few weeks ago and thought as soon as my letter arrives I'm going to phone Paul Miney up and ask for my money, as it seemed to work for him.

Just done that, he was extremely helpful and polite,I thanked him for the offer of £480 which I said I would accept as part payment but the total amount they had charged me was £1,157. I told him I wanted that amount and also could he work out the interest for me because I dont want to get it wrong when I fill out my court forms! (Just a little pressuring!) He said he would have to get my file and get back to me, he said that he would work out the COMPOUND interest and get back to me by 11.10 and hopefully resolve things for me.

Looking at some other threads this is when they called back with an offer of the full amount. So after just one letter sent a one phone call made can it really be this easy? Watch this space.

[BaldyBaldwin]

i will be watching this, you might be setting a record here

 

best of luck

[cantsay]

YES IT IS!!!!!!!!!!!!!!!!!!!!!!!!!!!

Mr Miney just phoned me back and offered me £1,728.14 in full and final settelment, cheque to arrive with 7 days!!!!!!!!!!!!!!!!!!!!!

Any good, tell everyone on this MBNA forum to do the same as me, Paul Miney is on 01244 - 672628. Couldn't come across a more helpful man. Obvioulsy said all the standard things about them not agreeing with the OFT etc but for the sake of customer relations wants to resolve these matters as quickly as possible. More banks should take note. Think how much MBNA have saved in solicitors fees compared to Lloyds and others!

[cantsay]

Forgot to say , He told me they had calculated the compound interest at their standard charge of 17.9%!! So everyone forget working out the interest @ 8%, get MBNA to do it for you.

[andih341]

Hello

 

I have sent a letter requesting statements and received a letter back thanking me for the letter and a full response will be submitted to me by the 15th October. Is this the same kind of letter you received?

All I want is my statements, but if they are going to coome back with an offer instantly, all the better!!

 

Thanks Andrea

[cantsay]

Sounds exactly the same, when your letter arrives, work out your charges and give them a call doing exactly the same as me, no reason you shouldn't get the same result.

[bobtheb]

:)Just spoke to some one called Colin Pugh at the same number 01244 672628,(after partial payment ) agreed to pay in full.Worked out my interest for me at 22.9 % !!

£400 more than I asked for :grin: Waiting for money to be in account.Donation to follow!! Off to pub:cool:

[cantsay]

I want my other 5%!!!!

[bobtheb]

LOL cantsay:):)

[aardvark the lecturer]

My God :o

 

I wish those two guys worked for the Halifax as well, that would make life far easier!!!!

 

[lisamellor]

well done to all of you!!

 

when i get my cash back im going to go to the mbna bank and open an account there!!

 

lisaxx

[aardvark the lecturer]

Lmao

[jb79]

I got the same £160 cheque with my statements, haven't added up the charges yet but I almost feel like not bothering. I feel like thanking them for their refreshing approach when I put in the claim. they also said that the money had been left in my account for years.

[bathgatebuyer]

Your solution sounds very similar to mine! DPA response way quicker than the Halifax (still waiting - wake me in 2045!!!), and with one phone call a settlement at approx £1800!!!

 

I've now spent days at work saying to people, "Yu got an MBNA account - ever had charges". It's becoming an obsession!

[karens25]

wow..

well done all of you.. wish id banked with mbna now.. how refreshing.. other banks take note!!

[manther]

is paul miney in the bank or dealing with credit cards do you know, or is he doing both

[kendraflo]

Hi all

 

After received sending off SAR on 8th September received letter yesterday offered "goodwill payment" of half of the charges. Rang number on the letter - I too spoke to Paul Miney - told him I was wanting full refund and itnerest - he went away and after 20 minutes called back and worked out interest at 20.9% together with full refund of all charges - result! - like many of you I wish all the other took the same example off these guys and just stopped phaffing around and paid up - still waiting for a reply from the Halifax - they only have a few more day to comply with my SAR - hope they are quicker once I receive the blasted statements!!

 

Kendraflo:)

[sandrajl]

Hi all,

after sending my DPA letter off to mbna for statements on 24/9/06 and reading the threads about how you were all ringing Mr Miney and getting a result, i thought i'd give it a go, ive just got off the phone from him and he appologised about how long it is taking to sort my case out but as i was with abbey when i first started my acct then it transferred to mbna they have requested my statements from them but they havnt sent the statements to mbna yet(what a surprise !) but he will chase it up today and hopefully get back to me at the end of the week with an amount of how much my charges have added up to and will offer me a goodwill pay mt. When i asked him about the amount plus interest he said they will calculate it at my contract rate of 24.9%. But he did say that all figures were calcutated at contract rate unless a customer is asking for it tobe calculated at compound rate, in which case they may offer the difference. Fingers crossed that i get as good a result as some of you have. Ive actually had to transferr my balance to M&S on 0% intrest for 6mths so i can clear it, but if they pay up i can pay it all off with M&S in 1 go which will be a gret load off my mind. Heres hoping !!

[cantsay]

Well if he's true to form you will have your good news shortly!

[judi24]

I got same letter on sat offering about half the claim - phoned today at 4.50 pm - Paul Miney was appologetice and said he didn't have time to calculate interest today but will phone me with figures tomorrow first thing - so hopefully I will get good news tomorrow.

[kendraflo]

Hi Judi24

 

I'm sure you will have an offer of a full refund plus interest tomorrow.

 

Fingers crossed for you.

 

Kendraflo:)

[kendraflo]

Hi Judi24

 

With regard to the interest - he said to me that MBNA's position was to calculate the interest based on the interest rate charged to the customer on their account - that's why I think some people have receive interest at a higher rate or lower rate than I have on their charges refund calculations. He will check the interest rate you have been charged and will calculate what is due to you - I ofund him to be a very reasonable and polite man.

 

Keep us posted as to how you get on.

 

Kendraflo:)

[Glenn UK]

Dont forget MBNA are not your friends, read the link in my post to make sure you get back what you are entitled to and nothing less.

 

They will not unless asked/pressed pay you everythng you are entitled to.

 

HTH

 

Glenn

[judi24]

9;10 this morning - settled in full with interest at 16.9% which is the rate of the card. He said it was not an admittance of overcharging rather a goodwill payment. I asked him why they were not challenging this through the courts if they still maaintain the cahrges were lawfull - his answer was that it was good customer relations!

[jb79]

After my phone call to MNBA we agreed a further £600 payment, this cover the charges plus the interest at the contractural rate until i closed the account and 8% on the ballance. I insisted that this was a partial settlement and would seek advice before seeking the further £800 of contractural interest. Any ideas guys should I issue a prelim request with the payments offset against the schedule and sue them for the total less the payments recieved, I am concerned that they have shown a willingness to repay the charges at the first instance and me chasing the difference in interest may be seen to be over the top.

 

I am also concerned that this may sour the pitch for other people as MNBA may return to the pain in the A***E method of dealing with these complaints if I try to nail them down.