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Abbey Situation (technically MBNA)


lforster
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Hi all,

Found this forum yesterday haven't stopped going through paperwork since, sorry to have hi-jacked Paul1207's thread - apologies for that.

 

I am currently getting prepared to retrieve over £350 of charges from Abbey on my current account, and am confident of my facts and where I stand, however I have another problem which there might be nothing I can do about it and I would appreciate the advice:

 

When I joined Abbey they also offered me a credit card, being 19 I duly accepted and moved out soon after, and then the charges started settling in. The problem is, since then I've a) destroyed most of the statements, and b) I took out a long term loan to close the account.

 

So, my question is, if the account is closed have I essentially ruined any chances of getting my money back :?: . I have a few statements left and those few already add up to over £200. I would not like to think of the final amount of charges I think it would be over £1000.

 

The Abbey credit card is handled by Co-operative Bank via. MBNA Europe.

 

Can someone offer me advice as to whether I should forget about the credit card pursuit?

 

Thanks in advance, special thanks to Dave, Stephen and BankFodder for their advice in Paul1207's thread.

 

Edit: Changed title to reflect actual bank rather than brand of card.

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Hi all,

Found this forum yesterday haven't stopped going through paperwork since, sorry to have hi-jacked Paul1207's thread - apologies for that.

 

I am currently getting prepared to retrieve over £350 of charges from Abbey on my current account, and am confident of my facts and where I stand, however I have another problem which there might be nothing I can do about it and I would appreciate the advice:

 

When I joined Abbey they also offered me a credit card, being 19 I duly accepted and moved out soon after, and then the charges started settling in. The problem is, since then I've a) destroyed most of the statements, and b) I took out a long term loan to close the account.

 

So, my question is, if the account is closed have I essentially ruined any chances of getting my money back :?: . I have a few statements left and those few already add up to over £200. I would not like to think of the final amount of charges I think it would be over £1000.

 

The Abbey credit card is handled by Co-operative Bank via. MBNA Europe.

 

Can someone offer me advice as to whether I should forget about the credit card pursuit?

 

Thanks in advance, special thanks to Dave, Stephen and BankFodder for their advice in Paul1207's thread.

 

Edit: Changed title to reflect actual bank rather than brand of card.

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Oh my God :shock: .

 

In my understanding it would be MBNA and NOT the Abbey who are going to be my contact, as Abbey is just the branding for the card whereas MBNA handled the actual banking.

 

Sorry for the bizarre wording of that question but I have to write to the right people.

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Oh my God :shock: .

 

In my understanding it would be MBNA and NOT the Abbey who are going to be my contact, as Abbey is just the branding for the card whereas MBNA handled the actual banking.

 

Sorry for the bizarre wording of that question but I have to write to the right people.

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Who does it say that your contract is with? Don't worry about who owns who. Just look at the name of your contracting partner. They are the people who you will put into court

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Who does it say that your contract is with? Don't worry about who owns who. Just look at the name of your contracting partner. They are the people who you will put into court

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MBNA then

 

Could you start another thread in Other Institutions please.

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MBNA then

 

Could you start another thread in Other Institutions please.

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Absolutely not - the money is yours.

 

They have a legal obligation to hold that information for at least 7 years - and also have an obligation under the DPA to provide you with up to 6 years worth of data.

 

Write to them asking for a full list of charges on the closed account(s) with dates, amount and reason.

 

They will have 40 days in which to comply.

 

Would it be the same format letter as the one I posted in the Abbey forum? (obviously modified with the fact that the account is closed).

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Absolutely not - the money is yours.

 

They have a legal obligation to hold that information for at least 7 years - and also have an obligation under the DPA to provide you with up to 6 years worth of data.

 

Write to them asking for a full list of charges on the closed account(s) with dates, amount and reason.

 

They will have 40 days in which to comply.

 

Would it be the same format letter as the one I posted in the Abbey forum? (obviously modified with the fact that the account is closed).

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  • 13 years later...

This topic was closed on 03/05/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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Thanks

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