Beetlejuice vs MBNA

[beetlejuice]

Just started Claim against MBNA, I have statements going back to Jan 2005, need to ask for previous to Jan 2001 is there a six year limit, my account was opened Sept 1998.

Already up to 1500.00 in charges and (despite writing and phoning to cancel, Payment protection charges!!).

 

Will send SAR today, does anyone have contact address or do I send it to PO Box 175 Bolton, would prefer address as all mail from me goes registered.

 

Thanks

 

reagrds

 

BJ

[beetlebum38]

Try this address Beetlejuice

 

THE DATA CONTROLLER

MBNA EUROPE BANK

STANSFIELD HOUSE

CHESTER BUSINESS PARK

CHESTER

CHESHIRE

CH4 9QQ

 

However i would suggest you read through a few threads on here first as people are have trouble getting SAR compled with by Mbna.

i have just filed complaint with ICO for non compliance.You definately need to tweak the templated SAR request and leave them in no uncertain terms that it is a SAR and not a complaint.

 

Regards

Beetle

[beetlejuice]

Have done Beetlebum, sent leter yesterday so we'll wait and see I have statements to jan 2001 but would liek rest, I asked nicely, what more can you do.

 

thanks

 

regards

 

 

BJ

[beetlejuice]

Well rang MBNA today and they said someone would be intouch in the next 48hrs to explain why they had n't actioned my SAR dated 12th March!!

 

WKYP

 

BJ

[beetlejuice]

Got call back from nice lady at MBNA apologies fronot repsondingto my letter she has updated my file!! and all stements should be with me in 10 days!

 

Funny that's right on the 40 day button.

 

 

BJ

 

[beetlejuice]

Well got home from work yesterday to 15!! yes 15 envelopes

(we really should donate to tree plannting charity on this web site also given the paper we're jointly generating)

Statements back to May 2004 despite requesting Sept 1998?, we see what today's post brings, does anyone have a phone no. I could chase on?

 

Will post later on CI and spread sheets.

 

BJ

[beetlejuice]

Update:

 

Spoke to MBNA today. They are now saying they only keep records back to six years. So that's me snookered. I'll just calculate(invent) a figure for teh charges going back beyond that time. If they want to argue then I'm sure they'll find the statements!!

 

I still need, and not only on this thread but all other my Credit Card claims. instructions on how to use the Minzai spreadies. I know he's been busy but can someone help and tell me which balances to put where in the second lot of columns(the charges bit is easy).

The notes are for the Bank charges Spreadie, I don't think these have been updated.

 

I want to calculate the interest they have been charging me on the charges and then CI on top.

 

Mindzai, Lucid, anyone??

 

 

 

thanks in anticipation

 

 

BJ

 

 

 

see also

 

http://www.consumeractiongroup.co.uk/forum/citicards/83883-beetlejuice-citicards.html

 

 

http://www.consumeractiongroup.co.uk/forum/capital-one/90572-beetlejuice-capone.html#post827056

[beetlejuice]

Still awaiting final way to calculate all interest owed have filled in Mindzai's spreadie.

 

Struggling to work out interets on charges want to charge current retail rate then CI on top is this okay, read loads and seem to be going around in circles??

 

 

Help

 

 

BJ

[beetlejuice]

If I don't have early statements how do I CALC interest on charges?

 

BJ

[lemma1968]

They have them, ask for their complaints procedure and threaten to report them to the Infomation Commissioner - they have to give you all the records, and their maths must be off cos 2004 is NOT 6 years in any event.

 

Thats twaddle.

 

Do all communication in writing from now on.

[beetlejuice]

I've have given up on Mindzai and Lucid(sorry). But they must have had enough who can blame them.

 

I calculate interest on charges (credit cards) so:

 

Simply(and that's is a joke!)

 

interest on statement divided by balance on statement multiplied by charges on statement gives portion of interest on those charges for that statement/month. I might need to amend which balance, the month before or month after as the first function should give near the interest stated on the statement(but it doesn't) no worries it's good enough for me

and I just add compound interest on each interest portion to date, if it's not right the Credit card companies can challenge and do the math.

 

Comments welcome, Excel here I come.

 

BJ

 

[wednesday1867]

Beetlejuice, MBNA seem to be paying out interest @24.9%

[beetlejuice]

Thanks Wednesday, it's the interest on the interest I'm trying to calc. I'll use that figure. Is there a latest Prelim, the POC's seem to be changing for the banks has this had any effect on the Prelims, or is the standard one still okay.

 

BJ

 

[wednesday1867]

Same one as far was i know, credit card charges havent been affected by the OFT ruling.

[beetlejuice]

ACCOUNT IN DESPUTE

 

Does anybody know (or what do you think about this?) if I write to MBNA with my Prelim request fro repayment and state that due to the fact they owe me more than my balance on my card that i am going to stop payments and the account is in dispute, can I do this?

 

 

Comments please

 

BJ

 

[dizzy delilah]

Have you already sent them a CCA request? If they can't produce that, then it may be worth doing. I'm not sure it would help you unless you've done this bit though. Dizzy

[beetlejuice]

Dizzy,

 

Thanks for response it's Friday!! CCA??

 

BJ:)

[dizzy delilah]

Consumer Credit Agreement - look at some of the other threads like Standings, Wednesdays and Jacksters!! I've not done it myself yet but am beginning to think I should. From what I understand, if they can't provide a 'true copy' of the agreement you signed, along with the terms and conditions at the time, and list of fees etc, then your debt is technically unenforceable. There's loads of threads about it...have a look and see what you make of it, but it might be worth a try.

[beetlejuice]

Well just finished spread sheet. PPI(cancelled this loads of times yet they still charged me) and Charges

 

Ive charged them 18.9% Demonstrable Interest and 27.95% Compensatory interest. Totals some 9k!!!!

 

Let see what they make of that.

Keep you all posted

 

BJ

 

[beetlejuice]

Prelim sent, but having had a look at the latest spread sheet I have amended for other claims on CC's I have miss calculated, by about £4K at the CI end (ie. not claimed enough!!). I have gone back and calculated DI (demonstratable interest) and then added CI (Compensatory interest) See BJ vs EGG for full discussion. I feel that these are much more accurate

figures.

 

Should I amend the amounts in my LBA? with an expalnation.

 

Any ideas anyone.

 

regards

 

 

BJ

 

:-|

[beetlejuice]

I have also just realized that MBNA have not sent me statements pre-03/2001 (Despite SAR)

 

My account was opened in 1998, so I am going to add a sum for previous charges that unless they can prove otherwise (by sending me earlier statements) they are likely to have charged me.

 

which is basically is:-

 

Total charges to date ÷ days from first charge on statements received gives (daily rate for charges from them) x days from opening of account = £800.00.(not to be sniffed at!). Not sure what rate to charge them "Demonstratable" interest at the first rate I have record of on first statement me thinks.

 

Any comments??

 

I am going to issue LBA today with these new amended figures, They have replied to prelim. stating that they will give me an answer by the 10th Sept 2007, but hey that's a few days away and I have given them enough time already.

 

Comments welcome

 

BJ

 

[Hopeful1]

I'm not sure but i thought claims could only go back 6 years? If you can cliam more though - fantastic!!

[standingupformyself]

I beleive some people have suceeded in going back pre-6 years. I would say its not impossible, just not easy. I personally only managed to get 6 years exactly worth of statements from them... wish I had kept the old ones..

[beetlejuice]

Does s32 Limitations act not empower us to claim that far back, i have read threads on that and will be pursuing the claim on that basis_must do even more reading-!!!

 

BJ

[standingupformyself]

As I understand, it appears to be easier to claim back pre-6 years if some of your claim is pre and some is more current. I had an awful job myself getting statements off MBNA, They basically gave me about five and a half years worth, then after many emails and phone calls they advised me that the earlier stuff was still with Abbey National (who were the original owners of my card) eventually I received the last few statements from MBNA, after Abbey forwarded them on.

I would be very interested in receiving the other statements myself, particularly as my debt with them is now paid off and I know the statements probaly go back to about 1995/6 and I would imagine the charges probably started in about 1997/8 when various things floated towards a very large fan!!