Our complaints procedure

Our commitment to you

We aim to handle complaints fairly and promptly, just as you’d expect. MBNA are committed to providing a high quality of service, but things can go wrong despite our best efforts.

Given the opportunity we’ll always try to put things right and, by making a complaint, you might also draw our attention to something which needs to be improved.

Ways to contact us

Sometimes the best way to sort something out is to get in touch. If it’s just a general enquiry, you’ll find details on our contact us page. You may even find the answer you are looking for in our frequently asked questions.

But if you’ve got a complaint, there are a few ways to get in touch.

Call

To speak to a specialist about:

Credit cards
Call 0800 015 0375
(+44 1244 757 129 from outside the UK).

Loans
Call 0345 725 3519.

Standard network charges may apply.

Online

Use our secure online form.

It shouldn’t take long to complete and we’ll call you back when it’s convenient to you.

Payment Protection Insurance (PPI)

Learn about our PPI complaints procedure, and how to make an enquiry or complaint, by visiting our dedicated PPI page.

  • Write to us about your card:
    MBNA Customer Services, BX1 1LT

    Write to us about your loan:
    MBNA, St Aidans Hall, Birchwood Drive, Brackenhill Business Park, Peterlee, County Durham, SR8 2RS

    So we can process your complaint, please provide:

    • Your name and address.
    • Your preferred contact number.
    • Your 16-digit card number or 12-digit loan number and any useful references (if applicable).
    • What’s gone wrong and when/how it happened.
    • What you’d like us to do to resolve your complaint.

    Email:

    Important: although we provide an email address, you need to be aware that email is not the most secure way to get in touch. We recommend using our secure online complaint form instead.

    If you decide to email us, do not quote any sensitive account information. However, to help us resolve your complaint as quickly as possible, please include:

    • Your full name.
    • First line of your address and postcode.
    • As much information about the complaint as you feel able to give (excluding account numbers and sensitive account information).
    • Any particular actions you should wish us to take to resolve your complaint.
    • A contact number and the best times to contact you, as we'll call you once we've received your email.

    The email address you’ll need is: MBNAOnlineComplaints@MBNA.co.uk

    • We will do all we can to resolve your complaint on the same day.
    • If we do not manage to resolve the complaint within 5 working days we'll write to give you an update and let you know when you can expect a full response.
    • Once all the details of the complaint have been investigated, (we may call you for further details) we will issue a ‘final response’ to your complaint.

    The Financial Conduct Authority (FCA) gives us a maximum number of days to issue a final response:

    • Payment or e-money complaints (e.g. Direct Debit/online transactions) - a final response should be issued within 15 days of receiving a complaint, up to a maximum of 35 days where things outside of our control cause a delay. 
    • Other types of complaint - a final response should be issued within 56 days.
  • MBNA is a member of the Financial Ombudsman Service, which offers an independent review service. If we can’t resolve things in the timescales set by the FCA, or you’re not satisfied with our final response, you can refer your complaint for free.

    Visit: financial-ombudsman.org.uk

    Call: 0800 023 4 567

    Email: complaint.info@financial-ombudsman.org.uk

    Write to: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR.

    Please note: you may be able to submit a claim through the European Online Dispute Resolution Platform if you live outside the United Kingdom or if you prefer not to deal directly with the Financial Ombudsman Service.

  • We will treat your complaint in exactly the same way whether we receive the complaint directly from you or from a Claims Management Company (CMC). You do not need to use a CMC and they will typically charge an upfront fee or take a proportion of any compensation you may be due. By coming directly to us you will not be disadvantaged.

Our promise 

Our aim is to offer great products and excellent service, but we know sometimes things can go wrong. If you have any reason at all to complain, we make you a promise:

  • We will do our very best to put things right as soon as you get in touch.
  • Where that’s not possible, we will make sure you have the contact details of the person or team dealing with your complaint.
  • No matter how you choose to tell us about your complaint, whether it is by phone, in branch, online or in writing, we will give it our full attention and commitment to resolving if for you.

 

Complaints information

We are committed to transparency and publish details of the complaints data we last reported to the Financial Conduct Authority.

As MBNA is now a wholly owned subsidiary of Lloyds Banking Group, you can find our complaints data on the Lloyds Banking Group website.

View the complaints data for firms associated with MBNA.

Your personal information

For information about how we process and store your personal information, please read our privacy notice.