whitepriest v MBNA.. help, a few questions !

[whitepriest]

Ok,

 

So this may contain a lot of questions but here goes :

 

I took out an MBNA credit card about 2 years ago..

 

My balance was 500 (out of choice, opted for lowest amount)

 

Anyways, after my total limit reached approx 400 I had moved house.

 

Typical, I didn't change my address (moved from my parents) kept up with the DD's until I missed a payment, hence the DD stopped from my bank account. Which I didn't notice until I was doing my other natwest claim.

 

Upto today, my balance from charges alone is just over 1000..

 

Late payments, no payments, and all the other charges for not paying.

 

Have I a chance of claiming this back ?

 

I wasn't aware of my credit history also getting a black mark against it..

 

It's my fault as I should have kept in contact with my parents about the letters I was receiving at their address, and also checked up on my DD.

 

Can anyone offer any advice on this ? Can I claim the charges back, get my black marked removed etc ?

 

ANY HELP IS MUCH APPRECIATED, as I cannot afford to pay this with a our wedding coming after the new year ??

 

Thanks

[livelylad]

Ok,

 

So this may contain a lot of questions but here goes :

 

I took out an MBNA credit card about 2 years ago..

 

My balance was 500 (out of choice, opted for lowest amount)

 

Anyways, after my total limit reached approx 400 I had moved house.

 

Typical, I didn't change my address (moved from my parents) kept up with the DD's until I missed a payment, hence the DD stopped from my bank account. Which I didn't notice until I was doing my other NatWest claim.

 

Upto today, my balance from charges alone is just over 1000..

 

Late payments, no payments, and all the other charges for not paying.

 

Have I a chance of claiming this back ?

 

I wasn't aware of my credit history also getting a black mark against it..

 

It's my fault as I should have kept in contact with my parents about the letters I was receiving at their address, and also checked up on my DD.

 

Can anyone offer any advice on this ? Can I claim the charges back, get my black marked removed etc ?

 

ANY HELP IS MUCH APPRECIATED, as I cannot afford to pay this with a our wedding coming after the new year ??

 

Thanks

 

 

Yes you can claim all the charges back and get the default removed. read the faqs and also the threads regarding defaults good luck any probs pm me.:grin:

[whitepriest]

Thanks livelylad,

 

I'll start on it straight away tonight then, I was hopeful that I could get it all back and get the weight from off my shoulders.

 

Thanks for your quick reply, and I'll keep in touch.

 

Not been on here much as life prevents me. ha.

 

Thanks again..

 

Mike

[livelylad]

Thanks livelylad,

 

I'll start on it straight away tonight then, I was hopeful that I could get it all back and get the weight from off my shoulders.

 

Thanks for your quick reply, and I'll keep in touch.

 

Not been on here much as life prevents me. ha.

 

Thanks again..

 

Mike

 

you will be fine i will help.

[whitepriest]

Evening,

 

Tried to request my statements from MBNA twice over the the phone today.. got the usual of "yes we can print your statements, upto 12 month's. Anything beyond that, each statement will cost you £2.50"

 

What a rip off !

 

I'll go the route of S.A.R - (Subject Access Request).

 

Even explained to the two people and asked the question of how can I get all my statements from sending in an SAR but not over the phone ?! Both weren't aware of what I was talking about.

 

Oh well,

 

Just got off the phone to them..

 

In the last 12 month's I've been charged £523 that's just in the last 12 month's, got another 12 before that aswell, which I'm guessing will be about half of that.

 

Is it worth giving Paul Miney a ring and requesting a total amount ? Or should I go through the letter route..

 

Thanks all

 

Mike

[rastafarian]

If you send them a SAR by post, their standard procedure seems to be to hold on to your cheque for 30 days and then send it back to you with a list of all charges applied to the account, some nonsense about how much they suffer on your behalf and a "goodwill" gesture of about 40% of what you're owed.

 

It is a good way of getting the charges out of them without paying them that (quite possibly unlawful) charge of 2.50 a statement.

[whitepriest]

Thanks,

 

I'm getting my SAR together at the mo.

 

Couple of questions.

 

I'm not currently paying a DD of fixed £50 per month, should I cancel this ? as overall (after charges and payment protection) I'm only cutting my balance by around £11.. crazy I know.. or, as this won't matter at the end of the day (when I get the cash back) shall I just make my payments as usual.

 

Also, should I cancel my payment protection ? At this stage, my plan is to get all my charges back, and clear the outstanding amount I owe straight away with the payment.. and most probably have some left over.. hahaa.

 

Thanks again.

[rastafarian]

Personally I'm not counting any chickens until that final cheque clears. I know that many people here have been successful in getting charges repaid but in my bitter experience of life, these things usually change once its my turn!

[whitepriest]

"these things usually change once its my turn!"..

 

That's so true.. ha.

 

Mike

[Glenn UK]

Evening,

 

Tried to request my statements from MBNA twice over the the phone today.. got the usual of "yes we can print your statements, upto 12 month's. Anything beyond that, each statement will cost you £2.50"

 

What a rip off !

 

I'll go the route of S.A.R - (Subject Access Request).

 

Even explained to the two people and asked the question of how can I get all my statements from sending in an SAR but not over the phone ?! Both weren't aware of what I was talking about.

 

Oh well,

 

Just got off the phone to them..

 

In the last 3 month's I've been charged £523 that's just in the last 12 month's, got another 12 before that aswell, which I'm guessing will be about half of that.

 

Is it worth giving Paul Miney a ring and requesting a total amount ? Or should I go through the letter route..

 

Thanks all

 

Mike

 

Mike

 

if you ring make sure you get back what you're entitled to claim, check out the link in my signature. I claimed back the charges, interest i paid plus contractual interest at 22.4% on the lot plus cost of the SAR, letters and postage.

 

Don't let them fob you off with anything less than your entitlement.

 

HTH

 

Glenn

[whitepriest]

Hi Glenn,

 

Thanks for your reply..

 

Oh yeash, I do plan to get all of the charges and all of the interest back.. I've tried again on the phone today (to the billing deparment, rather than just customer services) to get some basic info (just the overdraft charges, and late payment fee's) since the account has been open.. was told they can only go back 12 month's, is this true ?

 

Also, should I cancel my payment protection ? Asked again I know..

 

I've printed off my SAR today and going to send it tomorrow.

 

Gonna start my GE Capital when I get home tonight aswell.. and then start adding up my natwest again as lost the excel spreadsheet I had with all my charges... (doh)

 

Thanks again..

[Glenn UK]

Hi Glenn,

 

Thanks for your reply..

 

Oh yeash, I do plan to get all of the charges and all of the interest back.. I've tried again on the phone today (to the billing department, rather than just customer services) to get some basic info (just the overdraft charges, and late payment fee's) since the account has been open.. was told they can only go back 12 month's, is this true ? If you have submitted the SAR form the template library and give them the 40 days they are obliged to provide all the info they hold that qualifies as data. This is more than six years worth I believe since I understand they hold the data on a computer based system. If they have written to you telling you that you cant have the info without paying for it, you need to respond insisting on the provision of the data.

If necessary finishing with either a claim at court or a complaint via the ICO (or both) to ensure you get the data you want.

 

Also, should I cancel my payment protection ? Asked again I know..

 

Its a matter for you personally i never take it out voluntarily, but then again I'm in a job i believe is secure and don't worry about being laid off. Mind you from what Ive heard even getting laid off doesn't always mean the insurance pays out.

 

I've printed off my S.A.R - (Subject Access Request) today and going to send it tomorrow. See comments above re SAR.

Gonna start my GE Capital when I get home tonight as well.. and then start adding up my NatWest again as lost the excel spreadsheet I had with all my charges... (doh)

 

Thanks again..

 

HTH

 

Glenn

[whitepriest]

Sent SAR off 13th October.

 

Soon as I get it back, I'll go through the phone route me thinks.

 

Can't wait to see how much they owe me.. : )

 

Thanks again for replies.

[Glenn UK]

If you go through the pohne route I recommend you read through the link in my signature to make sure you know what you are entitled to ask for before you make the first phone call.

 

It cold make a big difference to yuor claim.

 

HTH

 

Glenn

[whitepriest]

Hi Glenn,

 

Yeah have read through your thread a few times. I'll get my charges together and ask them to calculate the interest on top of that.

 

The contractual and compound interest. I've been on here loads lately reading through about interest etc, still can't get my head around it exactly. Got an idea of how it works, but soon as I get my charges I'll make sure I'm well upto speed on what I should be asking for !

 

Cheers again.

 

Mike