MBNA

[dalenorth]

Sorry if i start with a rant, but MBNA have really p#ss#d me off this morning! Jan 2014 - I remembered had a Credit card with them and called to check the balance, they informed me that the account was in credit and refunded me the amount and advised that I cancelled the DD. I asked to close the account and was advised to leave it open as it helps with your credit rating (bo##ocks!)

Fast forward to today iv'e received a letter stating a missed payment and I owe them £14 in charges. I called up MBNA and they said that there was a £2 balance left on the card in Jan, and therefore the charges have been building up. I haven't received any statements or letters from them in the post and they state that they don't have the call recording from Jan.

What the hell do I do, as I don't want this on my credit file???

[Zoon]

Ask to speak to a manager inform them of the situation and state you won't go away until the charges are credited. Should do the trick.

[dalenorth]

Yeah, they offered to refund the charges, but can't sort my credit file, which is my main concern.

[Sarnie]

Refunding the charges is an admittance of it being their error, advise them of this and that you will be escalating it until it's resolved.

[dalenorth]

cheers guys, I wont let this go until its off my credit report!