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    • I don't have any doubts but that if they have breach the contract then they must leave you in the position that you would have been if the breach hadn't occurred. This means that the very least that you shouldn't be out of pocket at all – and in fact if you incurred extra losses having to remedy their breach – by making other arrangements then I think you should be entitled to this as well.
    • On a side note -  I expect Barclays to extend the contact time to the week after. Only because your case isnt a simple one to deal with and they may have to do further investigation.  Let us know what the Adjudicator says... Remember this - The FOS in recent memory have become a dog with no teeth...  
    • CCA is not re-setting the date it is a right?   no CRA showing how can they report a non existent account which is not showing, pay them and if it was then it would just show partially settled and still be there killing your score for 6 years letters may this/that and the other are just threatograms used by the office junkie, Cabot know this,  sit on your hands and stop seeing what is not there"!  Statute Barred is Final end of sure Dx  will respond as well
    • I booked a one way flight online for my wife and I with Ryanair in December '19 for a flight from Spain to UK in August '20. The flight confirmation showed that the cost of the flight was €145.68 and that my card had been debited £133.01.  I don't recall being given the option of choosing to pay in euros or GBP but it is possible that I was.   On 5/2/20 they contacted me to advise that "Due to the non-delivery of the Boeing Max aircraft this summer, please be advised that there has been a significant time change to your Ryanair booking". It was in fact much more than a significant change in that it was a cancellation of a flight on that day from that airport which had been tailored to fit our preceding travel plans so I just asked for a refund, as I could not find a suitable alternative with Ryanair.   The refund was processed and Ryanair sent me an email stating, "We confirm that your refund request has been processed back to the form of payment used to pay for your booking. Your issuing bank will take 5-7 working days to process this refund amount back to your account. The amount refunded to your credit/debit card is GBP 133.01"  When I checked my bank account I saw that they had refunded me €145.68 which when exchanged left me £119.58 leaving me £13.43 out of pocket.  On contacting Ryanair they said it was my bank's fault and not theirs as they refunded the full amount paid.  My bank advised that Ryanair debited my account originally in GBP therefore they should have refunded this amount in GBP.   I made an official complaint to Ryanair which they have rejected stating that I was in breach of their General Conditions of Carriage by not selecting the correct payment option.  I feel that because they did a currency conversion on payment and debited my account in GBP that they should have refunded the GBP amount that they took.   I also wonder how many others has this happened to and I smell a large rat. Could anyone offer any views on this, and/or if I have any comeback and where I could take it please?
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MBNA Charges over 6 years & Compound Int RECLAIM

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Hi all



Been reading up on Shelleys and Martin2006 threads ( which are very good indeed ) and looking in doing the following credit card charges reclaim.


MBNA card - Defaulted around 2007 - cannot check accurate date as dropped of CRA and NO DN in SAR.



—————————Credit Card Charges reclaim——————————————



Total Charges = £521



Total Compound Interest @ 24.90% = £10.699.22



Total Claim = £11220.22 ( which is WHOPPING ! )



Outstanding Balance with DCA £4500





MBNA card taken out 2003.



They then SOLD the debt of £4500 to DCA in 2011




As this is over £10,000 - my understanding it is eligible for fast track, but with me having to pay both sides if I lost ? I just cannot afford that.


Any thoughts / ideas on the best way to play this ?


Thanks as always.

Edited by yodabug

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Take a read of the following may be of interest





We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service


If you want advice on your thread please PM me a link to your thread

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Thanks Andy, nice one.


I was thinking that - - just use a different interest rate.


I Will get cracking then , I reckon.

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Hi All


Thanks for the help so far.


here is my prelim and SOC.




MBNA Limited

P.O. Box 1004

Chester Business Park

Wrexham Road




21st February 2019



Dear Sir/Madam,


MBNA Credit Card : xxxxxxxxx


I now understand that the regime of fees which you have been applying to my account in relation to late fees and over limit charges, are unlawful at Common Law, Statute and recent Consumer regulations.


I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.


I calculate that you have taken £523.00 in charges and I also claim restitutionary interest of £8339.98, making a total of £8862.98.


It may be that you feel a claim for charges going back further than six years is invalid because of your company policy or some mis-interpretation of regulations. Either way I would draw your attention to s32 (1)© Limitations Act 1980 under which this claim is being made so far as it concerns time limits


I enclose a Schedule of Charges listing the amounts that I require to be repaid.


I require repayment in full of this money. If you do not comply fully within 14 days, I shall begin a claim against you for the full amount plus interest, plus my costs, without further notice.


Yours faithfully,




I have omitted the sentences, ' I require that you remove the adverse payment history entry from the register ' etc. As this has long gone from credit file etc.


Is it worth inserting the red chapter highlighted in red / or save it for later down the line ?? - got that from an old shelley / ims21 thread.

MBNACreditCardCISheet2 v101 (1).xls.pdf

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i not sure that m about 4 weeks ahead of you with exactly the same letter and i suspect you will get the same bog off reply....


ive been a bit busy but will need to begin y MCOL action...

I need to check how you calculate charges .. i assume you are using restitutional interes rate but thought it was more 29.9%


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Hi Zubo thanks for replying - must of missed your email.  I’m coming back to this one and I’m starting with an egg card as it’s barclaycard - who I understand are a bit forthcoming but yes will do them both through mcol - good luck with your claim will follow your progression 

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