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Many thanks to everybody here. I received a new year present from MBNA over my credit card charges. A cheque of £450 was sent to me as a settlement for my unlawful charges claim.
The letter reads:
As we explained in our previous letter on this matter, we have always set out precisely what our charfes are in our agreements wuth you. They are integral part of the terms and conditions under which we are prepared to provide credit facilities and our view is that the charges that you agreed to are valid, fair and enforceable.
However, it appears that you disgree with our position and are dissatisfied with the offer that has been made to you. In an effort to maintain our relationship with you, we would like to resolve this matter to your satisfaction.
We have therefore arranged a further goodwill payment of £450.00 to be sent to you by cheque, (please find enclosed)
You will appreciate that this does not mean that we accept or agree with your complaint, but I trust that you will find this an acceptable resolution.
This is our final response to your complaint. If you remain dissatisfied with the response, you may refer your complaint to the Financial Ombudsman Service, within six months of the date of this final response. Their address is as follows:
XXXXXXX
XXXXXXX
Yours Sincerely
G Powell.
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So, once again, thank you to legal beagles administrators and I wish everybody a very properous new year.
Before I go. Does anyone knows the next step as I still have outsatnding debt with them. Do I have to contact MBNA to arrange the payment of this debt?
The letter reads:
As we explained in our previous letter on this matter, we have always set out precisely what our charfes are in our agreements wuth you. They are integral part of the terms and conditions under which we are prepared to provide credit facilities and our view is that the charges that you agreed to are valid, fair and enforceable.
However, it appears that you disgree with our position and are dissatisfied with the offer that has been made to you. In an effort to maintain our relationship with you, we would like to resolve this matter to your satisfaction.
We have therefore arranged a further goodwill payment of £450.00 to be sent to you by cheque, (please find enclosed)
You will appreciate that this does not mean that we accept or agree with your complaint, but I trust that you will find this an acceptable resolution.
This is our final response to your complaint. If you remain dissatisfied with the response, you may refer your complaint to the Financial Ombudsman Service, within six months of the date of this final response. Their address is as follows:
XXXXXXX
XXXXXXX
Yours Sincerely
G Powell.
================================================== ===
So, once again, thank you to legal beagles administrators and I wish everybody a very properous new year.
Before I go. Does anyone knows the next step as I still have outsatnding debt with them. Do I have to contact MBNA to arrange the payment of this debt?
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