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psbuk v MBNA

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I recieved a letter this morning from MBNA along with a list of charges and my £10 cheque.

 

Ive totted up all the charges and it comes to £624, didnt realise it was so much.

 

Here is what they say-

"We attempted to contact you by phone to confirm exactly what information you are seeking. However since we were unable to reach you, we have enclosed copies of your statement information. If there have been any transactions on your account as a result of manual intervention, they will be included on the eclosed statement information.

 

"On this occasion will provide this information free of charge and have enclosed the cheque you sent.

 

"Should this information not be sufficient, and you wish to make a full data subject access request under section 7 of the Data Protection Act 1998, please complete and return the attached form. Please ensure you include the fee of £10 and appropriate ID(e.g photocopy of drivers licence or passport."

 

I dont know what they are on about because that was the point of the first letter, i was quite clear on what i wanted, and they havent phoned me once.

 

Anyway im going to send the preliminary letter for repayment.

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It worries me this does. Are you 100% sure that the listthey have sent through includes ALL the charges?

 

If not then I would seriously consider a full DPA request - enclosing the identity info they have asked for. Don't forget that the £10 fee can be reclaimed as it is an acceptable cost you have incurred in order to recover unlawful charges.


Alan, Derby, UK.

 

 

 

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________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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Im not 100% sure that it lists all the charges to be honest, i suppose they could have missed a few and i would have no idea.

 

I thought that was the point in me sending the DPA letter and the £10 cheque in the first place, they could just be playing stalling games.

 

I think i might have to send them the information to see if there are any more charges, just means it will take longer. :mad:

 

anyway cheers for your input.

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It won't necessarily take any longer.

 

My suggestion would be to continue with your prelim for the amount that they have notified. If they offer to settle, reserve the right to claim for any extra amount that may come to light with the DPA information.

 

If they don't attempt to settle, and you have to commence court action before the DPA arrives, then we can look at the situation again.


Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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Hi there

 

I just received the same letter today and totalled amount of fees on the list they gave me and it comes to £739.00. It also gave a phone number so I rang to speak to the person mentioned in the letter, but he was busy. Later I got a call back from someone who works with him and I told them that I would like to discuss these charges and about claimimg them back. She said that because OFT saying that £12.00 was acceptable fee. They are not going to pay any full claims back and that I need to write to them and they would look at each claim individually.

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Thats a good idea alan , should i include a section in my preliminary letter regarding my right to claim any extra amounts?

 

Cheers for your help.

 

Edit: They have included a 'Right of Subject Access' request slip, so no need for an additional letter.

 

Saida, they put a contact name and number in my letter aswell, not going to bother ringing.

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Thats a good idea alan , should i include a section in my preliminary letter regarding my right to claim any extra amounts?

 

 

Yes, emphasise that it is a claim based on the information they have provided.


Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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Ok cheers for your help, ill post up on what happens.

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Just a quick one, do I apply for the 8% interest as a result of the charges in the preliminary letter?

 

thx

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No, only if/when you issue a County Court Claim.


Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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Thats what I thought, thx alan.

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Hi there

 

I received exactly the same letter today. I had 2 accounts with them and the total from both accounts according to their sheet is £1102.

 

I'm resending my letter as I don't trust thieves, liars and banks...

 

I'll keep you posted on what happens.

 

Rosco1977


Barclays (DPA sent 26/04/06) owed £2515

Egg (DPA sent 26/04/06) - Awaiting Response

MBNA (DPA sent 26/04/06) - Owed £1102

Cahoot (DPA sent 26/04/06) - Owed £1160

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Recieved a letter from MBNA, saying i will recieve a written response within 28 days from the date of the reciept of my complaint. Also provided is a number for Gareth Tunnicliffe, Customer Advocate.

I assume this is a standard response to the preliminary letter?

 

Ps. Can the thread title be changed to be more relevant to the stage that im at? Like psbuk v MBNA etc.

I didnt think it was worth starting a new thread.

 

thx

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Recieved a letter from MBNA, saying i will recieve a written response within 28 days from the date of the reciept of my complaint. Also provided is a number for Gareth Tunnicliffe, Customer Advocate.

I assume this is a standard response to the preliminary letter?

 

Ps. Can the thread title be changed to be more relevant to the stage that im at? Like psbuk v MBNA etc.

I didnt think it was worth starting a new thread.

 

thx

 

As you suggest, this is a standard reply...just stick to your timetable. Thread title duly changed. :)


Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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Thx alan.

 

Ill just see whats happens.

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I have recieved the cheque and the money has cleared, im now £624 better off, I should be able to pay off one of my cards now.

 

Thanks

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I have recieved the cheque and the money has cleared, im now £624 better off, I should be able to pay off one of my cards now.

 

Thanks

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This topic was closed on 10 March 2019.

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 there.

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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style="text-align:center;"> Please note that this topic has not had any new posts for the last 5116 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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