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MBNA closure threats?


miavega
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Hi

 

has anyone had their CC account closed down by MBNA after starting initial action against them? Or any threats to do so?

 

I want to send out an SAR to them today but I have a ££££££ huge balance outstanding on the relevant card. I have no defaults and always pay the minimum payment every month and have been with them for 10+ years.

 

If they do close me down will I be forced to pay the outstanding balance in full immediately ?

 

Thanks in advance for any help on this...

NatWest Bank charges

01/10/06 S.A.R - (Subject Access Request) sent

06/10/06 Statements arrived

17/10/06 Prelim letter sent claiming £929

23/10/06 Bog off letter received

25/10/06 LBA sent

01/11/06 Second bog off letter received

 

MBNA Credit Card

17/10/06 S.A.R - (Subject Access Request) + £10 cheque sent

26/10/06 Letter telling me they will respond by Nov 16th

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I maybe wrong, but a S.A.R is a legal right. The fact that you are requesting this could be for a number of reasons. If a Financial Institution was to close an account on the grounds that you exercised your legal right the you could hold them liable. My current job involves law and looking into this with work colleagues leads me to believe you are safe in applying for a S.A.R.

 

If I am wrong I stand corrected. If anyone else knows different please let us know as I dont want to give wrong advice.

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Thank you - I shall send off SAR now then...eeek :-)

NatWest Bank charges

01/10/06 S.A.R - (Subject Access Request) sent

06/10/06 Statements arrived

17/10/06 Prelim letter sent claiming £929

23/10/06 Bog off letter received

25/10/06 LBA sent

01/11/06 Second bog off letter received

 

MBNA Credit Card

17/10/06 S.A.R - (Subject Access Request) + £10 cheque sent

26/10/06 Letter telling me they will respond by Nov 16th

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If it's going to happen it won't be until you send a letter asking them for your money back, even then it's extremely unlikely given how MBNA are treating others on this site, and, just to really set your mind at rest, if they did try to close the account and ask for immediate repayment it would more than likely be construed as retaliatory action which is a strict no no! Search this forum for "retaliatory" and you'll get the idea!. Good luck, Koko

Lloyds TSB Current Account/Joint Account/Business Account (ST not Ltd) PL 30/8/06; lba 14/9/06; N1 filed 24/10/06

M&SFS Credit Card SAR16/9/06; partial data rec'd; 11/10 written; in correspondence

Lloyds TSB Credit Card SAR16/9/06; partial data rec'd 14/10; written 30/10/06 ext'd timelimit;

Student Loans Company Ltd SAR2/10/06 silence!!!

Lloyds TSB PPI on Loans CCA & SARsent 21/10/06

 

Partner:

Lloyds TSB Current Account SAR3/10/06 silence !!!

Credit Cards:

Lloyds TSB SAR3/10/06; rec'd 26/10 back burner for now

Marbles SAR3/10/06; rec'd 26/10 back burner for now

Monument SAR3/10/06

Virgin SAR3/10/06

Morgan Stanley SAR3/10/06; partial data rec'd; 19/10 CCA req; 24/6/06 rec'd; in correspondence

Barclaycard SAR3/10/06; data rec'd; 14/10 written with CCA request; 24/6/06 rec'd; in correspondence

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