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[Field Marshal Dr. Opti]

My fault entirely ....but...

I should have paid the balance on my MBNA Visa card by the 7th November....It was the paltry sum of just £52.20.

However my payment arrived one day late on the 8th November......I now have a late payment charge of £12 .....plus £1..interest....in total £13....this amounts to a quarter (25%)of the original balance.

At first I was more than a little pissed.. ...but then I thought.......If my misfortune in some way helps an impoverished  banker to have a better Christmas than mine......then I'm a happy man.

Happy Christmas to all the banks and bankers of the world......I really love you guys...

[Kevin Wood]

Now chop up the card into tiny pieces and chuck it in the bin. That'll learn'em, and there are plenty more credit card companies eager for your business..

Kevin

[Richie London]

My fault entirely ....but...

I should have paid the balance on my MBNA Visa card by the 7th November....It was the paltry sum of just £52.20.

However my payment arrived one day late on the 8th November......I now have a late payment charge of £12 .....plus £1..interest....in total £13....this amounts to a quarter (25%)of the original balance.

At first I was more than a little pissed.. ...but then I thought.......If my misfortune in some way helps an impoverished  banker to have a better Christmas than mine......then I'm a happy man.

Happy Christmas to all the banks and bankers of the world......I really love you guys...

what warm kind words you have spoken opti. 

[aaronjb]

Now chop up the card into tiny pieces and chuck it in the bin. That'll learn'em, and there are plenty more credit card companies eager for your business..

Quite a few of 'em charge more than £12 if you forget your payment (not that I'd know, of course, never having done that  ) .. so be careful which one you pick

[Field Marshal Dr. Opti]

Now chop up the card into tiny pieces and chuck it in the bin. That'll learn'em, and there are plenty more credit card companies eager for your business..

Kevin

I did speak to a gentleman in customer services Kevin......I politely explained I was just one day late with my payment ......and  as a gesture of goodwill.....perhaps MBNA could waive the charges...He laughed for an inordinately long time before the phone went dead....  :-/ :-/ :-/

[Field Marshal Dr. Opti]

Now chop up the card into tiny pieces and chuck it in the bin. That'll learn'em, and there are plenty more credit card companies eager for your business..

Quite a few of 'em charge more than £12 if you forget your payment (not that I'd know, of course, never having done that  ) .. so be careful which one you pick

Are they allowed to set their own charges Aaron?.....surely there must be some sort of regulation... :-/ :-/

[Field Marshal Dr. Opti]

My fault entirely ....but...

I should have paid the balance on my MBNA Visa card by the 7th November....It was the paltry sum of just £52.20.

However my payment arrived one day late on the 8th November......I now have a late payment charge of £12 .....plus £1..interest....in total £13....this amounts to a quarter (25%)of the original balance.

At first I was more than a little pissed.. ...but then I thought.......If my misfortune in some way helps an impoverished  banker to have a better Christmas than mine......then I'm a happy man.

Happy Christmas to all the banks and bankers of the world......I really love you guys...

what warm kind words you have spoken opti. 

I tend to see the best in everyone. Richie....The banks  are overflowing with love and compassion......if only we give them a chance....

[Mr Skrunts]

Now chop up the card into tiny pieces and chuck it in the bin. That'll learn'em, and there are plenty more credit card companies eager for your business..

Quite a few of 'em charge more than £12 if you forget your payment (not that I'd know, of course, never having done that  ) .. so be careful which one you pick

Are they allowed to set their own charges Aaron?.....surely there must be some sort of regulation... :-/ :-/

It used to be more than that.  But I think something was arranged to kerb it at £12 as the most often affected people were unable to afford the charges with more charges added and added added etc.

[aaronjb]

Ah maybe it is capped across the board now - I remember it being considerably more than £12 when I missed a payment years ago with MBNA, oddly enough..

But checking back, last time I did it (I know, I know!) it was £12 with Tesco, too.

[Mr Skrunts]

Ah maybe it is capped across the board now - I remember it being considerably more than £12 when I missed a payment years ago with MBNA, oddly enough..

But checking back, last time I did it (I know, I know!) it was £12 with Tesco, too.

Places like tesco and virgin are all MBNA and the like (Big WBankers)

[Andy B]

Now chop up the card into tiny pieces and chuck it in the bin. That'll learn'em, and there are plenty more credit card companies eager for your business..

Kevin

I did speak to a gentleman in customer services Kevin......I politely explained I was just one day late with my payment ......and  as a gesture of goodwill.....perhaps MBNA could waive the charges...He laughed for an inordinately long time before the phone went dead....  :-/ :-/ :-/

That has worked  for before now with MBNA. It's set up as a direct debit now so I can't forget.

[Kevin Wood]

Now chop up the card into tiny pieces and chuck it in the bin. That'll learn'em, and there are plenty more credit card companies eager for your business..

Kevin

I did speak to a gentleman in customer services Kevin......I politely explained I was just one day late with my payment ......and  as a gesture of goodwill.....perhaps MBNA could waive the charges...He laughed for an inordinately long time before the phone went dead....  :-/ :-/ :-/

Sounds more worthy of a Molotov cocktail through the window of the call centre but it's a long way to Hydrabad, especially with no intact credit card to book the flight.

 

Kevin

[Dishevelled Den]

It's easily dealt with - cancel the account.

[Varche]

My fault entirely ....but...

I should have paid the balance on my MBNA Visa card by the 7th November....It was the paltry sum of just £52.20.

However my payment arrived one day late on the 8th November......I now have a late payment charge of £12 .....plus £1..interest....in total £13....this amounts to a quarter (25%)of the original balance.

At first I was more than a little pissed.. ...but then I thought.......If my misfortune in some way helps an impoverished  banker to have a better Christmas than mine......then I'm a happy man.

Happy Christmas to all the banks and bankers of the world......I really love you guys...

Excellent. Two birds with one stone. Helped a banker and improved your happiness index. Not much more before you are a perfect 10

[Martin_1962]

MBNA are a bunch of chancers - once they scent blood they go mad.

I got into difficulties a few years ago. And they were far and away the worst.

I had to get abusive and threaten with Police to stop them calling me a few times a day while I was dealing with a IFA.

I would NEVER deal with them again.

Halifax were not too bad in comparison but still evil. RBS were pretty bad but not as bad as MBNA but RBS got me in trouble in the first place.

Stage 1 Shitifax sold off the cash machine I did my backing with and got hit with the odd late payment - managed to stop them.

Stage 2 Had some trouble coping so called RBS, they RBS agreed to fixed payments so I sent cheques in for next three months, they paid them in all at once then billed me for late payments for the other two - I refused to pay and took it up, they clobbered my credit rating . The clobbering got the vultures at MBNA excited and Shitifax dropped my credit limit BELOW my current balance.

My advice - take credit card and cut into little pieces, then call round to MBNA HQ and shove the pieces up a managers (inset favourite orifice).

Anyway RBS and MBNA are on my do not deal with list and I am slowly moving business from Halifax. Mortgage went very soon after this debacle.