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MBNA/Bryan Carter (aka Evil/Evil)


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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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Welcome to mbna forum,


Claim back all the charges including £12.


Good luck



  • Haha 1

[I][FONT=Arial][SIZE=1][B][U][COLOR=red][COLOR=blue]Barclays bank[/COLOR] [/COLOR][COLOR=blue]- £1260.00[/COLOR][/U][/B][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=red][COLOR=blue][B]Settled for £1774.20 - [COLOR=#ff00ff]7th June 2007[/COLOR][/B][/COLOR][/COLOR][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][B][U][COLOR=red]MBNA - £1994.46 - [/COLOR][COLOR=red]inc contractual int[/COLOR][/U][/B][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=red][B]Settled for £2024.00 - [COLOR=magenta]16th April 2007[/COLOR][/B][/COLOR][/SIZE][/FONT][/I] [I][U][FONT=Arial][SIZE=1][COLOR=indigo][B]First Direct - £1147.00[/B][/COLOR][/SIZE][/FONT][/U][/I] [I][FONT=Arial][SIZE=1][B][COLOR=#4b0082][COLOR=indigo]Settled for £1147.00 -[/COLOR] [COLOR=#ff00ff]1st May [/COLOR][/COLOR][COLOR=magenta]2007[/COLOR][/B][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=green][B][U]Capital One - £802.83 - inc contractual int[/U][/B][/COLOR][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=#008000]Prelim sent - [COLOR=#ff00ff]28th March 2007[/COLOR][/COLOR][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=seagreen]LBA sent - [COLOR=magenta]19th April 2007[/COLOR][/COLOR][/SIZE][/FONT][/I]

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You claim every single penny of every single charge. £12 is no more the real cost than £25 was.


Claim them all back. It is a myth that £12 is acceptable.


A finding of penalty makes any contractual claim unenforceable in its entirety, therefore you should claim all the charges and then MBNA would only be able to counterclaim for their actual costs and would have to plead and prove each cost for each individual charge.


Continue with your claim, you will receive 100% of it back.

  • Haha 1

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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