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New Member with a question about MBNA Credit Card


LynetteC
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Hi all! My name's Lynette, I live in Hull and this is my first post to the Forum. :)

 

I joined because I plan on reclaiming some recent charges from Barclays Bank, but for now I have a question about my MBNA White Room credit card. Firstly though, here's the background to my query.

 

Earlier this year, after forgetting to pay online a couple of months in a row (and getting charged £12 a time for my forgetfulness) I set up a Direct Debit for £50, which more than covered the (then) minimum payment of £43. A couple of months later, my minimum payment went up to £53. I thought nothing of this, as having a DD set up I *assumed* that it would be amended to cover the new minimum payment. WRONG! My June bill showed a payment of £50, a late charge of £12 AND an outstanding balance of £3.94!

 

I rang them to ask what the %^*$ they thought they were playing at, and eventually spoke to some snotty Manager - but not until I'd provided them with my debit card number to clear off the £3.94 outstanding! She informed me that my DD was a fixed one, that this detail was printed on my monthly statement and it was my responsibility to check said statements to ensure that they received the correct monthly payment! :mad: (Consider myself told off like the naughty schoolgirl I am! :p)

 

Not being impressed with the information given or the attitude it was offered in, I demanded a settlement figure as my husband had already agreed to transfer the balance onto his credit card. The transfer was completed about 20 minutes after I finished speaking to MBNA, but now I've received another bill for £23.05!

 

Surely a settlement figure should be valid for at least 7 days to allow a person to clear their balance in full without incurring more interest?

 

Should I ring them and demand they remove this charge? Or am I stuck with paying them again? And if I do, will I receive *another* bill next month for £2-3 to cover the interest accrued on the £23?

 

Any advice would be appreciated. :)

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I had that same problem in the past with another card and to be honest, when the bill came in, i just paid it. It depends how much hassle you want.

 

But, if i were you, i would be reclaiming any charges back! Even just that 2 months @ 12.00 covers the outstanding balance!

 

Hope you get it sorted :)

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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Thanks Hopeful1.

 

I think that's exactly what I'll do - issue them with an S.A.R.!

 

I'd been reading a couple of Credit Card threads when I suddenly realised that I've been paying payment protection and I don't really remember whether I asked for it or not. I remember ringing one company and asking for it to be removed, but whether that was MBNA or one of the other cards I used to have, I'm not sure.

 

Let's just say that if I didn't request it, they're going to owe me a LOT more than £36! LOL

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