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Virgin(MBNA) Interest help!!!


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HI

 

I recieved the Standard letter back off MBNA offering me £490 as a full and final settlement and it was all my fault anyway, and if i don`t agree then they`ll terminate my account and won`t come out to play anymore!!!:D

 

Anyway after reading through my statments they actually o me £1063 so i`m off to send my LBA but don`t know what interest to put on it, the standard 8% or the Contractual APR (which i`m not sure of) and also now they`ve dropped their charges to £12 can i claim them too as there still far to high in my opinion!

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You can claim all the £12 charges back as well.

 

Please note that the 8% interest under S.69 is not added until the MCOL or N1 stage.

 

Regards, Rooster.

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