Blueeyes v mbna

[blueeyes]

hi after success with my bank:) iv now decided to try with my credit card i havnt got all my statements so i have to send a dpa but which address do i send it to is it

 

Mbna Europe Limited

Stansfield house

Chester Business Park

Wrexham Road

Chester

CH4 9QQ

 

thanx

[Michael Browne]

Yes

[blueeyes]

Thanx michael:)

[blueeyes]

Right thought id update. 17-11-06 sent Data protection Act. 27-11-06 received reply stating looking into reply by 14-11-06, which they did with an offer of £300. I rang up to say id except as part payment and was told to write a letter to say i wasnt going to except it. Am i right in thinking i send the preminary letter excepting pt payment and whats left.

[blueeyes]

Sent preminary excepting £300 as part payment. received a cheque for £303. LBA to be sent on4/12/06

[rob14973]

Hi

 

Are you claiming contractual interest?

 

Rob

[blueeyes]

Hi Rob yes iv also asked for contractual interest but dont no whether iv made a mistake should i have sent them the cheque back.

[androobe]

No, as long as you stated you only accepted the cheque as part settlement, that's fine. For all the issues people have with MBNA, they have been the best to deal with. A bit slow, but if you call them just before your LBA expires they will probably agree to settle over the phone. That's what I did... they paid me interest at contractual rate right up to the day we agreed to settle, even though I paid the accounts off a while ago.

[blueeyes]

A bit stuck with how to word LBA reguarding the cheque.

thanx

[rob14973]

Hi

 

You need to write a paragraph at the top of your LBA like this.

 

Thank you for your letter dated DATE I accept your offer of a refund of charges totalling AMOUNT on the understanding as a partial settlement towards my claim. I intend to continue with my claim against you for the remainder of charges added to my account between the date DATE and DATE.

Then carry on your LBA as normal.

 

Rob

[blueeyes]

Hi everyone hope everyone ad a great christmas. Well i sent LBA and just before it was up they sent me the remainer of what they owed which was £365 but no contractual interest.

[chorlton1]

congratulations! are you going after the interest?

[blueeyes]

Im thinking of goin after it as i stated in both letters that i wanted it, got to think how to go about it, might phone but last time i phoned wasnt that good.

[chorlton1]

I think if you are uncomfortable on the phone, then a letter is probably best - if you call, make sure you have all your spreadsheets and letters to hand and you know exactly what you are requesting eg. "just calling to thank you for the offer in your letter dated xxxxx. You will have noticed that I did ask for contractual interest to be taken into account and I was hoping that you would be prepared to calculate this and settle finally today, rather than this entering the legal process" - something like that anyway!

Have a look at some other MBNA threads - a number of people seemed to have been sucessful making contractual interest claims by phone and that might give you some extra confidence, and will also give a couple of names and telephone numbers that have worked.

Good luck!

[blueeyes]

Thankyou chorlton 1.

[blueeyes]

Been on the phone this morning spoke to julia she said she was emailing someone who would get back to me within 2 days,wish id asked for someone by name but the last time i ask they said they were'nt there. Just av to wait and see.

[blueeyes]

Well what a waste of time i was rang back and told that they had'nt received my LBA what interest was i talking about. I got side tracked and feel a complete idiot but im more determined to get contractual interest back now just av to look at spreadsheetes but i dont know the interest rate they charge and she would nt tell me. She said i could send my letter again i said know id already sent it allowing 14 days so i would go to court.