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davidoneman

old a&l credit card ( mbna ) late & over fees

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Hi ive got a old a & l credit card ( mbna ) the account got sold to hillsdens and eventually settled the debt at a reduced rate but was final ,

 

now im looking at the charges to get back if possible as if successful it wont be deducted from the account as its been settled .

 

the charges are made up of £12 over limit and £12 late payments ,

 

ive used the spreadsheet and the charges are £204 but with interest at 19.99 percent the interest is £906.15 , so total £1110.15 ,

 

do they refund these charges as they are £12 if so whats best way at reclaiming

. many thanks for any help

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do i just ask for the charges back plus compound interest & 19.9% , is there a template letter to use or just put a simple letter together saying i believe they are unfair ?

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You can only compound their int rate until they stopped charging it not right through till today

 

And if they are outside of 6yrs old ...not a chance sadly


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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each charges date.

 

 

you could try but I'd doubt you'll get anywhere

theres a charges reclaim letter in the library I think


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Great thanks so much - I've just done this through the phone so it was very handy put claim in with Santander and was told to ring MBNA as well so both done - will wait patiently now and hopefully a nice little cheque for Xmas

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