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Hackers75 VS MBNA


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Sent SAR Letter on 23/10/06 with a cheque for £10 which was then credited to my account.


Received a letter dated 15th Nov stating although they don't agree etc etc ..." We do value your custom and so we would like to resolve this matter. I have therefore credited your account with a goodwill payment of 3530.00 on the basis that this is in full and final settlement of your complaint. Please note that your credit balance of £540.00 will be sent to you by cheque in the next 10 working days."


I reckon they owe me about £1100, what do I do? Should I write back and say thanks I will accept it as a partial payment but will be looking to reclaim the full amount?


Also I have a £20k loan with them, could they demand the repayment of this if they get nasty?

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Having read Cantsay's thread I tried to call Paul Miney on 01244 - 672628. Got a message saying "The number cannot be connect due to reasons beyond their control please try later" I guess poor Mr Miney is snowed under...will keep you posted!

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Please can someone advise me on their thoughts with this letter that I am thinking of sending to MBNA in response to their goodwill gesture.


With reference to the above, and to your letter dated 15 November 2006. I wish to thank you for your offer of £530 in respect of bank charges levied over the last six years on my account. I will be happy to accept this offer as an interim payment (not Full and Final Payment), but wish to inform MBNA that I require the outstanding balance of £730 to be paid within 7 days.

I require repayment in full of this money. If you do not comply fully within 7 days then I shall begin a claim against you for the full amount plus interest plus a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notice.


Do I still need to send them a prelim letter and LBA letter or can I give them 7 days and then go for a Mcol?

Thank you in advance

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You need to accept the offer and state this at the begining of your prelim




12/09/06 Halifax settled in full £8500:D


28/11/06 MBNA Settled in full £2300:D


Capital one

Putting together n1

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