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Standingupformyself V MBNA/Abbey CC **WON**


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Well done Standing! Yet another one bites the dust! MBNA have repaid all my charges but not the CI which I am now fighting for plus am still awaiting for CCA request - date is up next Wednesday when I will go for the PPI I have paid plus the interest on that! Enjoy the dosh when it comes!

 

I beleive the CCA or lack of it is the key here.... keep us posted xxxx

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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:D :D :D :D

Fan-dabby-dozeeeeeeeeeeeeee!!!!!

 

Well done for keeping at them.

 

Can i just be boring and ask a formal question? I can't

remember if you've already posted which e-mail address you've

used. Could you share it or pm me? Hoarding all relevant resources

ready to fight claim for OH.

 

Well done, i hope the excitement doesn't keep you awake! :p

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Right, whose round is it then as we're celebrating yet another success.......;)

 

And er, ukiainib - I hope the 'exclusive successful club' are going to be hanging around for a while to point their 'not yet successfuls' in the right direction.....:-D ....and don't spend all that money at once either!!;)

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well this member is!!!!! I have got lots more to do myself yet !!!!! and happy to share anything I have learnt so far.

 

Got the letter through this morning, sounds the same as Wednesdays, it doesnt ask for a reply, but I am going to write one, or maybe email one.... its only polite, and why shouldnt I? They have just helped me out enormously!!!!!

 

Sadly dizzy, I wont be spending any of it, on the basis that I already had!!!! They are paying me out just a smidgen over £3500, and I owe them that much, but hey! At least they will no longer be phoning me, writing to me, hassling me by text on my mobile..... ITS ALL OVER!!!!

 

I am so happy, and here to help anyone else I can xxxxxx

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Oh Wednesday my friend...... there is no need for that, I am a strictly bacardi girl, but having said that, have whatever you want hunnie!

 

Dizzy? I have started a new thread on phase 2 of MBNA it is

 

MBNA admitted no CCA, so I want to claim interest back...

 

No One has replied yet, but I hope an expert or two will pop up over the next day or so.

 

Thanks Jackster,,,,, your turn now xx

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Congratulations:) :)

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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:-D Hey Standing. Has it all sunk in now? I'll be like you. Any money i get back will just pay off debt, but after all the stress of debt it will still leave me elated.

 

Thanks for posting e-mail address the other day. I'll see how your part 2 goes with interest claim.

 

Best wishes :wink:

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 2 weeks later...
Consolidation (or restitution) is as yet untested territory (as far as I am aware, although I think there are a couple of cases in the pipeline), but it means reclaiming all interest you have paid whilst the account was running, the reasoning behind this is they had no right to profit from your payments whilst operating the account unlawfully (ie : without a true copy of the executed agreement).

 

One step at a time, I think and you are doing this the right way round if you ask me..........pick away at it and you will get there...........! xxxxx

 

 

Hi Corn,

Not sure if you are out there at the moment, but if you are can you have a look at my other thread please and let me know whether the route that was suggested above is still possible?

I appreciate it, thank you

MBNA admitted no CCA, so I want to claim interest back...

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Didn't think I would need advice again on this one...........but I received my statement this morning and something very strange has happened.

I was expecting two credits to show up on the account, because last month the first Goodwill payment was on the statement, then they offered a 2nd one, so that should be there, then they offered my final settlement, which also should be there... I also pay a set payment of £10 weekly, so was expecting three or four of those to be there too...

 

instead this is what was there

14.06.07 Payment, debit card thank you £10 CR

16.06.07 Adjustment to balance £500.00 CR

16.06.07 Adjustment to balance £475.00 CR

21.06.07 Payment, debit card thank you £ 10.00 CR

26.06.07 Adjustment to balance £500.00 CR

26.06.07 Adjustment to balance £500.00 CR

26.06.07 Adjustment to balance £500.00 CR

26.06.06 Adjustment to balance £231.38 CR

28.06.06 Payment, debit card thank you £ 10.00 CR

29.06.06 Adjustment to balance £500.00 CR

29.06.06 Adjustment to balance £500.00 CR

29.06.06 Adjustment to balance £500.00 CR

29.06.06 Adjustment to balance £231.38 CR

05.07.07 Payment, debit card thank you £ 10.00 CR

Interest charged 0.00

 

Balance this statement £1625.32 CREDIT

 

What do I do now!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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I have tapped all this into my calculater and realised they have paid me the final payment of £1731.28 twice!!!

I am not able to touch this money, have not had a card for years, so couldn't do anything wrong if I tried! Should I tell them? Please help, MBNA have done nothing but made me smile now for weeks!!!!!

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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What a downer you can't go and book a holiday!! :p

 

To be quite honest i would be inclined to say nothing and leave it there. Think how good it will look on your credit file.

 

There must be a law that if it's there long enough it's yours!! There's a another battle for you when you're old a grey. Just think, a few months back i bet you never imagined you'd be wondering what to do about having TOO much money in your account!! :D

 

Have you looked at Vinegarvera's thread? She's desperate for some advice and i'm not experienced enough to give anything constructive yet :rolleyes:

 

Have a good day.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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I'll look up Vinegarvera and see if I can help.... thanks for your input Hopeful, have a lovely day..... mine is starting off well!!!!!

 

PS..... I have looked at the thread you mentioned, and although I am not able to help myself, I have posted a link in a CCA forum where, it appears, some very clever people lurk! I hope it helps

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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I think that is all I can do..... Cant get it out, and if I asked for it they would probably see the error of their ways!

 

The pint might have to wait

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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BUT - what if they charge you for being in credit!

Yes - the banks have thought of another way of screwing you for money these days and that is to charge you for being in credit!!!

a nice dilemma to have standing ;)

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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Should I write to them I wonder, saying I want to close this account and could they please send me a cheque for any remaining balance?

Could be interesting

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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  • 2 months later...

I have been reading other peoples threads about the possibility of claiming charges back pre 6 years. I have not got any statements though... one CAG member, Blossomandebony seems to have suceeded, has anyone else I wonder? Any suggestions though as to how to go about this? MBNA took over my account approx 6 years ago, so who would I go to and how would I do it? The account was initially owned by Abbey National. Could I estimate the charges? All and any help and opinions very very welcome xx

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Oi! Mrs I'm so popular Standing - clear yer inbox!!! :p

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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