MBNA - asking for a refund in charges!

[Ingrid]

Hi

 

I'm completely new to all this and am somewhat embarrassed to ask!

 

I've had an MBNA credit card since last July - via a balance transfer! I received a statement yesterday with £25.00 Late Payment fee and £25.00 Overlimit fee! I was two days late - then with the Interest added this took me over the limit! I was quite shocked and angry! This was not the first time this has happened, and I have endeavoured each month to send more than the Minimum Payment (okay, not much more, but I still get slapped with an Overlimit Fee!) I checked this evening and I have been penalised £300 in fees for both "offences". Just when I think I've cracked it I get another penalty!

 

Now £300 isn't much but at this rate I am struggling to keep up with them (MBNA!) I feel I have to write to them but the usual standard letter seems a little inappropriate for such a small amount! Please point me in the right direction because I've browsed this forum for ages! (Useful forum, btw!)

 

Your help is very much appreciated!

 

Ingrid

[Bookworm]

Welcome.

 

You need to read the FAQs in depth and familiarise yourself with the material so you gain some confidence, we all know how intimidating it all seems (is!) to start with. After that, go for it!

[jonni2bad]

It really is the standard letter - it applies when you are asking for £1 as much as if you are asking for £5000

 

Just follow the proceedure as shown - you'll be fine. There's no trickery involved, honest!

[Ingrid]

This topic was closed on 03/08/19.

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