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MOST AWFUL CREDIT CARD EXPERIENCE EVER!
Author Name: Sam
Disadvantages: Money-grabbing, rude, unhelpful, aggressive
About 9 months ago I decided to transfer the balance on an exisiting credit card to MBNA to take up their 0% on balance transfers option. Bearing in mind I had used the previous credit card to do the same thing and had NEVER made any purchases on it whatsoever, I was suprised to find two charges made to that credit card on the same day I transferred my balance to MBNA.
Having no proof that it was connected to MBNA and being such small amounts I decided to pay off my existing credit card and carry on with MBNA. About 3 months ago I made my standard payment to them over the internet as usual two days before it was due. I then started to get charged interest as they stated they did not receive the payment until after the bank holiday so it was classed as a missed payment and I would now have to pay interest on the balance.
Again feeling a little put out but thinking that yes it was my fault that time I carried on paying them for a couple of months before deciding to transfer the full balance to another credit card. Checking my balance online about two days after receiving a statement I transferred the FULL balance to my new credit card. I checked my balance via the text message service which confirmed that my balance was now at 0.
Today I receive a text message saying that there is a dispute on my account. Feeling this was a prank I checked MBNA's number online and called that one and spoke to a member of their team. This man hardly spoke english and was rude, arrogant and quite aggressive on the phone. I explained that my balance was at zero what is the dispute on my account. He stated that there has been unpaid interest on my account that I needed to pay. I explained that as my balance was at zero the last time I checked how could there be unpaid interest on my account?
He told me it was my fault I should have been checking my statements and that I was paying interest because I missed a payment and that I owed them the money. I explained I receive notifications of my statements via email and I have not received any emails since the one before I paid the full balance off. After five more minutes of him being rude I asked to speak to his manager. He told me they weren't available and would call me back. I asked him to close my account and he said he would.
I decided to call back and speak to another adviser as I wanted to make sure I would receive something in the post to confirm that my account has been cancelled. I spoke to a nicer man that had a better telephone manner. He confirmed my account had been closed and that I would get confirmation through the post. He then said that I owe interest which I would need to pay even though I had no idea that I had anything owing on that account. The interest had gone up by £1.50 since I spoke to the adviser before.
Granted I owed them less than £10 in total but I am not happy at all at the way I have been spoken to and treated like it was my fault that all of this has happened. I have paid them their interest for fear that my credit rating will be affected and I am expecting a call back to make a complaint. I am now with RBS and they provided me with a statement via email and an email and a text message 5 days before payment is due. Their customer sevice team are incredible and very helpful.
I would advise people to stay away from MBNA if possible. They were unhelpful, rude and accusatory. I came away feeling like a terrible person even though I had no idea what was going on. The first adviser couldn't even explain why I had been charged the interest he just kept saying I was wrong.
Summary: DO NOT USE MBNA
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