pinky v MBNA

[pinkerton_angel]

Hi all,

Am just about to send my request for refund to MBNA.

Could someone please give me a link for the correct spreadsheet and letter I should be using for contractual interest?

 

Thanks

Pinky 8-)

[lee in wales]

Hi Pinky,

this is the link for the spreadsheets, http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

scroll to the bottom of page Vampiress' chamber of spreadsheets and read up on how to go about using them, you may have to open a google account to use them but it is free to do so and all instructions are there:)

With regards to the letter have you sent SAR, if so then the next letter is the prelim,

Good luck and keep us posted on your progress

 

Lee:D

[pinkerton_angel]

Thanks Lee

Prelim sent off this morning.....

Pinky

[pinkerton_angel]

Please help, I'm a bit confused.

Have put 24% interest on initial spreadsheet, so I still claim an extra 8%stat when I put thru MCOL?

Have I done it wrong?

aaaaaaarrrrrrrrghhhhhhh

[lee in wales]

Hi Pink,

If you are claiming contractual interest then you can't claim the s.69 8% interest. As far as i know it's either one or the other.

I did you get any replies from your prelim ar LBA letters? i only ask as ive just sent my prelim off 4 dys ago just wondered what kind of a responce i'll get, i also sent a partial rejection letter for the amount they offered me

[pinkerton_angel]

Please can someone help me??

Have taken on 2 banks so far (Halifax won, A&L currently going thru MCOL) so I understand the interest on charges and then 8% added on at MCOL stage but is this different with credit cards.

I want to claim against MBNA and when I initially did my prelim, I included 24.9% in the spreadsheet as that was the interest they were charging me and that was what someone advised me to do, now I'm wondering if this was right? Does this mean that I can't now include the 8% interest at MCOL?

PLease help me in very simple terms, I feel like I'm going crazy!!)

Thanks

pinky

[dx100uk]

as long as it was not compounded contractural interest then you get the 8% too at mcol [ie flat rate or contractual]

just be aware MBNA are a tough cookie to crack

 

 

dx100uk

[pinkerton_angel]

What have other people done with MBNA? what interest did you use?

[Cornucopia]

What have other people done with MBNA? what interest did you use?

 

Hi Pinkerton, I would personally go for CI from the start, they will pay it. What have you got to lose?

[kennythecelt]

How is this one going, Pinky??

[pinkerton_angel]

Hey Kenny,

Got a full refund with this one -still got another 2 MBNA accounts to go tho!

Still not sure about interest on credit cards - think I may just claim charges + 8% (if it gets to that stage) then it's more straightforward.

MBNA paid up easily on this one!!!!

Pinky

[pinkerton_angel]

Hi all,

Have CCA'd MBNA and they wrote back pretty quickly with a copy of 2 signed (by me) credit agreements.

I currently have 3 MBNA credit cards, 2 of which were taken over last year by MBNA from Scottish Widows and Marbles (I think).

The agreements they have sent me, one relates to an old Abbey visa card that I had years ago and on the agreement it actually says 'I will be issued with an Abbey visa card'

The other one just says 'an MBNA credit card' but it's blatantly not related to any of the 3 I hold now because it doesn't have the same credit limit, the dates of opening don't match and because it was way before these other 2 were transferred over.

My question is - does this matter? does the fact that they have one signed MBNA credit agreement from me mean that they are covered for all of my cards that I have now?

 

Getting confused pinky

x

[pinkerton_angel]

Hi,

Can anyone help with this please??

[pinkerton_angel]

Anyone please???

Just need to know if the CCA replies they send have to relate particularly to that account or can they just send any that you've signed for that bank?

[dx100uk]

no it must be specific for the one you are on about.

nice ploy mbna...but no cigar!

 

dx100uk

[pinkerton_angel]

That's good news d - thank you!!!

pinky

[pinkerton_angel]

Their response is;

"I note that you have previously received copies of the original application forms for your accounts with us. You advise that you do not recognise the numbers to which these apply. I must inform you that prior to April 2004, MBNA used 8 digit account numbers. After this date, we used 16 digit account numbers. You may also be aware of the 16 digit card number, which appears embossed on the front of your card. We can locate your account using any one of these numbers.

 

We would like to clarify that the debt is still owed and payable by you.

 

In reference to the Consumer Credit Act and how MBNA adheres to it, customers are sent a copy of the credit agreement in the form of a "credit card mailer" to which the credit card is attached. This serves as your copy of the credit agreement for the purposes of the Consumer Credit Act 1974.

 

Your credit card agreements do not include a signature by or on behalf of MBNA. The signature has been deliberately omitted as MBNA is permitted by law to serve you a copy of the credit agreement without including the signatures and certain other specified information. This does not affect the validity of the credit agreement or the copy we have served you.

 

Credit card statements that are mailed to your address during the lifetime of the account also ascertain an association between you and MBNA.

 

If a lender did fail to comply with S.78 that lender may be prevented from taking certain steps to enforce a credit agreement (until such time as S.78 was satisfied) but the credit agreement itself, together with the borrower's obligation to repay, remains valid and intact. For the avoidance of any doubt, we would like to confirm that MBNA has responded in full to the request you have made under S.78; and your credit agreement remains valid and your obligation to repay remains intact."

 

 

Any ideas??

Thanks

Pinky xx

[dx100uk]

much too much generalisation in their reply.

i think they are wriggling.

 

if it were me, i would write to them and make them prove, by including original copies of the agreement [NOT an an application form] , docxuments which SPECIFICALLY show the relationship between the old 8 digit system & the number of the current 16 digits A/C they are chasing you on.

 

i would state these are wanted in preparation for you taking them to court.

 

it just doesn't read right to me, if they had the info, they would prove it, they have not.

all they have done is indicate that they could

 

make them prove it!

 

dx100uk

[Goooner]

Hi Pinkerton. Ive just read being reading thru the posts here. Are you trying to recliam charges that were made unlawfully on your account or trying to not pay back money you have borrowed?

Regards G