MBNA Old credit card how to get info ???

[bigdave368]

Hi,

Was just wondering if there is any way to get info from MBNA from a card i had with them but have lost all statements and corrospondence not even got account number.
As i know it had PPI and Definatley had lots of charges would like to know where to start if anywhere.

thanks in advance

Dave

[FlamingParrot]

Re: MBNA Old credit card how to get info ???

Your could send them a Subject Access Request (SAR). They should send you all data they hold about you, SARs are person specific so you shouldn't need an account number. They have 40 days to respond to a SAR. It should be sent by recorded delivery with a cheque or PO for £10 which the statutory maximum fee. Good luck!

MBNA Head Office:
M B N A Europe Bank Ltd,
Stansfield House,
Chester Business Park,
Chester,
Cheshire,
CH4 9QQ

Dear Sirs

Subject Access Request - S.7 Data Protection Act 1998

Please supply me with a copy of all information your company hold on me including a list of accounts and details of payments along with copies of statements.

Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts, I hereby request that you supply me with any and all historical data in your possession which, in any way appertains to me, including (but not exhaustively) a copy of the original signed executed agreement; statements of account; duplicate statements and/or print outs of all account transactions; all internal and external correspondence sent or received by you including memos, logs, notes, screen prints and transcripts; notes of manual interventions such as telephone attendants' notes, copies of stored telephone conversations, internal and external emails; any other information held on all types of media in any relevant filing system (microfiche included). If you have disclosed any information to a third party (with or without my express permission), will you please include details of this in your reply, along with notes of any legal action passed or pending (to include a true copy of default notices, court orders and the like).

If you store any of the older records on microfiche, please be aware that the Information Commissioner deems this to be a relevant filing system under the Act. As such, any microfiche data must be sent to me in fully legible and comprehensible form.

Where any information that you provide includes any charges, for example returned payments, late payment fees, and so forth, would you please advise your breakdown of actual costs (liquidated damages) incurred for each charge, and the Term or Condition on which you rely upon to claim such a charge. I also require that you forward a true copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions.

I enclose the statutory maximum fee of £10.00 to access ALL data held by you about myself. You should be fully aware of your statutory obligations under the Data Protection Act and that any failure to comply with this request will involve a complaint to the ICO as well as potential legal action.

You have 40 days in which to comply with this request and note that this request has been sent Recorded Delivery so I can ensure compliance on these issues comply within the legislative time frames.

Yours faithfully,

[PlanB]

Re: MBNA Old credit card how to get info ???

Hi,

Was just wondering if there is any way to get info from MBNA from a card i had with them but have lost all statements and corrospondence not even got account number.
As i know it had PPI and Definatley had lots of charges would like to know where to start if anywhere.

When was the last time you heard anything from MBNA or any DCA assigned by them and is there a balance outstanding? Sometimes it's best to let sleeping dogs lie until a creditor starts to chase you for the debt (if it exists) and then you may be able to raise PPI issues as a defence/counterclaim

[bigdave368]

Re: MBNA Old credit card how to get info ???

Probably 3 maybe 4 years ago but no outstanding balances all paid off.

[PlanB]

Re: MBNA Old credit card how to get info ???

Probably 3 maybe 4 years ago but no outstanding balances all paid off.

In which case do as FP says - send a SAR and then consider whether a claim of missold PPI will be appropriate (I bet it will be!). There is help available on here for that next step

[bigdave368]

Re: MBNA Old credit card how to get info ???

Sending SAR Tomorrow will see what crops up and keep you all posted.

Dave