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Flaura V MBNA - **WON**


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Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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:o

 

Sorry ment to say DPA sent on 13th June 06

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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  • 3 weeks later...

only received a standard letter so far from MBNA still waiting for further details ..got til the 27th July !!

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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Still absoutely nothing form MBNA - worth chasing them up ?

 

maybe i'll just give them a call £180 on statments i have !

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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received a letter yesterday from MBNA ! saying blah blah t&c's term 3b of my credit agreement.

 

how they don't agree with OFTs interpretation of the law, but they've now reduced there charges to £12.00

and they'd like to offer me a goodwil payent of £475.00 ? i thought they only owed me £180.00 ?? jesus how much do they really owe me ..

 

So .. what do i do now ? they've said they wil pay the money to link financial who look after the debt for them ? they've apparently already aranged this payment.

 

So....! do i write back and accept the £475.00 in partial settlement, I'm happy for it to go to link .. but ask that they still send me the statments for 6 years ?

 

help !! seriously confused.:confused: :o

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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Any advice on the following would be good before i send it ??:p

MBNA Europe Bank Ltd

LETTER BEFORE ACTION

Section 7 – Data Protection Act 1998

 

Dear Stuart Johnson

 

Account: *******

Your reference: *******

I am in receipt of the letter that you have supplied in response to my Data Protection Act information request dated 26th May 2006.

I am happy to accept the goodwill payment of £475.00, and I am happy that you have arranged to send this directly to Link Financial reducing my balance with them, however, you have not addressed my request and therefore I cannot accept this payment as full and final settlement of this matter until I am in receipt of the requested documents and I have confirmed to you that I happy that this settles the matter in full.

 

1) You have failed to provide a complete list of transactions and charges as requested under the data protection request.

2) You have failed to provide notes, or documents relating to instances of manual intervention.

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

You have until the 23rd July 2006 to comply.

 

Yours Sincerely

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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gone by email and hard copy in post !

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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haven't actually got it yet though ? did you work out how much they owed you i still have no idea.. ?

 

sorry they gave me £25 quid more i have no idea how they work it out... maybe they pick a number and go for it.

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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I didn't ask for the charges yet.. i suspect they are trying to pay people off before they find out how much they are really due.. costs them less in the long run.. used to work in customer service and we used to do it all the time..

 

joy of joys ! and i thought i was having trouble with Halifax god bless em !

 

anyway i've sent my letter above .. do have dealings with link financial if i don't get anyhting by wednesday next week i'm going to give them a call.. and give em some serious grief after all there call centre debt collectors were never the nicest to me .. my turn to get my own back ..

 

evil laugh and rubbing of hands together .....

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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I received my statements today. showing £495.00 in charges £20.00 they'd repaid me when I winged that I paid late because they didn't send my statement to my correct address !

 

good as sorted then.. ! I'm going to check Link have received the money and then send them a letter accepting the amount and cofnirming the matter as closed..

:D

 

settled in full i do believe ! this brings me to what i believe i really owed them all along ! :D

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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Link haven't received the money yet :( ? arghh

 

sent email to stuart johnson requesting he investigate will also call on monday to find out.. ?

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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checked with link financial again - definately haven't had the money called MBNA and they say that link should be sent the money by the end of this week it's only just been authorised for payment - girl (Kate) confirmed that the total amount authorised for payemnt £485.22 ?

 

confusing as hell - I'm going to check again monday get nothing getting an LBA

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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  • 2 weeks later...

Link should receive money on wednesday 10.08.2006 :mad: have told MBNA if they do not then i will issue claim in the small claimes court plus interest..

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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Got a full refund plus some.

 

Charges totaled £475.00 - they paid me back £488.25 on Monday of this week to Link Financial whom I owe the debt to now.

 

now i only owe £295.23p wha hooooo!

 

I'll be making a donation when i get my halifax money through :lol:

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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  • 3 weeks later...

very interesting thread this as at court stage with halifax plc and I was going to do MBNA next but was reluctant as over my limit at the moment, but after reading your thread and how easy they paid up, I will be sending them a letter requesting statements once the halifax claim is complete. Thanks very much for sharing this info with me.

 

Roberto

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