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Hello everybody,
I've been tackling MBNA since 25th March when i sent SAR off, since then, they missed the 40 day deadline so i sent Letter Before Action for the SAR request, giving them a further 7 days to respond. I received a letter signed by Rachel Claridge (assistant vice president) with a complete list of my transactions,
It tells me that when customers pay late, we(MBNA) incur substantial costs in dealing with their default, they also set credit limits carefully for each customer and for good reason, etc etc,
also Their view is that the charges that i agreed to are valid, fair, and reasonable, and Prior to July 2006, term 3b of my credit agreement ( which they havent supplied me with, more on that in a bit) clearly stated that i must pay £25 if i pay late or i exceed my credit limit.
However they do value my custom, and with statements they offered a goodwill payment of £320, to credited to my account.
Also that MBNA disagrees with the OFT's interpretation of the law, and continues to maintain that its fees are transparent fair and legal.
On 7th May i sent off for my CCA request with my £1.00 fee, giving them 12 working days to respond, as yet no reply ???????
14th May i sent my prelim letter for repayment of charges £848 and also 22.4% interest on those charges £319 ( I hope i'm right in thinking they have charged me that on the charges, so i am claiming it back ) PLEASE ADVISE
Also on the 14th May i sent them a letter saying i accept their offer, but , only as part payment and that i will continue my claim against them for the full amount.
I received a letter from them 17th May, saying thank you for my recent equiry, my letter has been passed on to the appropriate area to respond and they wiil provide me with a full responce by 23rd May, ( NO RESPONCE now 28th May ) and not quite sure which enquiry its for??
So next step is LBA which is going to be sent this week
All input to my claim will be much appreciated and all advice taken onboard
Many thanks in advance and apologies in advance for all silly questions asked
Lee
I've been tackling MBNA since 25th March when i sent SAR off, since then, they missed the 40 day deadline so i sent Letter Before Action for the SAR request, giving them a further 7 days to respond. I received a letter signed by Rachel Claridge (assistant vice president) with a complete list of my transactions,
It tells me that when customers pay late, we(MBNA) incur substantial costs in dealing with their default, they also set credit limits carefully for each customer and for good reason, etc etc,
also Their view is that the charges that i agreed to are valid, fair, and reasonable, and Prior to July 2006, term 3b of my credit agreement ( which they havent supplied me with, more on that in a bit) clearly stated that i must pay £25 if i pay late or i exceed my credit limit.
However they do value my custom, and with statements they offered a goodwill payment of £320, to credited to my account.
Also that MBNA disagrees with the OFT's interpretation of the law, and continues to maintain that its fees are transparent fair and legal.
On 7th May i sent off for my CCA request with my £1.00 fee, giving them 12 working days to respond, as yet no reply ???????
14th May i sent my prelim letter for repayment of charges £848 and also 22.4% interest on those charges £319 ( I hope i'm right in thinking they have charged me that on the charges, so i am claiming it back ) PLEASE ADVISE
Also on the 14th May i sent them a letter saying i accept their offer, but , only as part payment and that i will continue my claim against them for the full amount.
I received a letter from them 17th May, saying thank you for my recent equiry, my letter has been passed on to the appropriate area to respond and they wiil provide me with a full responce by 23rd May, ( NO RESPONCE now 28th May ) and not quite sure which enquiry its for??
So next step is LBA which is going to be sent this week
All input to my claim will be much appreciated and all advice taken onboard
Many thanks in advance and apologies in advance for all silly questions asked
Lee
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