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MBNA charges/Bryan Carter


kay123
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My MBNA card had a limit of £400, I went over by about £30 and ever since have been charged a £25 overlimit charge and a £25 late fee as iwas unable to make repayments. The debt is now in the grubby hands of Bryan Carter who have demanded £891. I paid two installments of £200 and sort of hoped that that would be the end of it. Neither MBNA nor Bryan Carter will budge and reduce the total figure so I have sent BC a letter requesting my CCA. In the meantime I'm going to try and reclaim the fees. MBNA reduced the charges to £12 in May last year so when reclaiming should I include the later charges? Everyone seems to think £12 should be the standard charge as it covers admin costs, but I never once received letters saying that I'd be charged, the charges just appeared on my statement. So what charges should I try to claim back? Eek:confused:

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As above time to claim the charges. Start a new thread in the MBNA section (its a subby of other instituitions) Many people claiming against MBNA there and alot of help. If Bryan Carter have added costs you'll get these back to as you have no contract with these people so they have no right to apply anything to your account.

 

As for the £12 thing thats what the OFT did recommend more as a temporary fix but as everyone is aware this is still profiteering.

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