Thank you Slick!

I was pleasantly surprised with them this time. They took forever with my sister's sar but sent everything to me within two weeks. But then again, I never had more then two charges on there. Don't know if that had anything to do with it. I also sent it to the address Bosund gave.

PMSL I thought I was seeing things! It's good to laugh after a long day. Thanks elpulpo. PS I don't know the answers to your questions.

MBNA have - refused to acknowledge receipt of the SAR even though it was sent recorded. - Neglected to comply with the SAR for the first two attempts. - Eventually sent a three page document showing 'all charges' and when compared to my own statements, they did not add up. - Ignored most of my letters for SAR and refund. (sent numerous letters!) - Eventually offered a good gesture of £86 (MBNA A&L) even though the claim is for over £1800 - and that's with the statements I did have (needed the money and couldn't delay claiming any longer.) - Had the same issues with with MBNA's abbey SAR. Also claiming £2000, offered £125 and not heard back about the rest. - Still to this day, MBNA have not provided all of the statements / breakdown of all charges for the last 6 years. Slightly repetitive but they never complied the first few times. Waiting until I complain. Dunno if they are dirty tricks on their part or me just having a moan.

My brother in law is on a dmp and he's asked them to stop the interest and charges. They have done that. Might be worth sending a letter to ask.

Update: Abbey finally sent everything in statement format. This number is definitely the one to get them to take notice. ;-)

Update: I telephoned Egg yesterday and today I've had a letter in the post, dated 5th. I think it's their standard reply ..We would like to draw your attention to some of the points made by the OFT in the statement issued on 6th April 2006, at the conclusion of its investigation into default charges on credit cards. The OFT stated that default fees should not be equivalent to the threshold. The OFT stated that the presumption of unfairness in relation to the charges over £12.00 would apply where there are exceptional business factors. They therefore acknowledged that in those circumstances, a card issuer may be able to set a fair default charge above the £12 threshold. The OFT, as an example, Specially referred to Egg’s practices of requiring all customers to pay the minimum monthly payment by direct debit. Following the conclusion of the investigation. The OFT indicated that it would not proceed further against Egg on the basis that Egg reduced its charges from £20.00 to £16.00. Accordingly, without any admission of liability as to the previous level of charges. Egg reduced its default charges to £16.00. The OFT has taken no further action against Egg. Our investigation found that any charges applied t your account were at the rate of £16.00. For the reasons outlined above we are satisfied that our charges are fair and enforceable. As a result, we can not uphold your request to refund the charges in question and confirm that your complaint has now been closed. If you have any concern relating to the information held about you by a Credit Reference Agency, you should contact the agency directly ( never stated any concern in my letter). I know people have had their refunds in full even if it was the £16.00 Egg refers to. Does anyone know how I should respond?

Thanks Mistermind. Will check out the thread.

I sent my letter. No response. Now the time allowed to refund the charges has passed two days ago. Shall I complain without any further notice? What would you experienced Cags do?

I accept as part payment only and continue with my claim? Or return the cheque?

If they don't sent everything in time, I will be keeping her number on speed dial.

I might beable help to you. I looked on the contacts page, (THANKS jonni2bad!) and spoke to 'a live person'. She told me that they held all data in that department and will get the business to send out everything I had requested (see it to believe it ) 01908 344061 - Data Protection Act Non compliance She did also say that Abbey can't send data as far as the account was opened and I told her I knew that was not the case but that's for another day.

Abbey have not sent me all data on my account as asked in my letter. Instead they have only sent me from 2007-2009. This is the second time I have sent the SAR. The first time was in July 2009. And after a lot of chasing, I forgot about it (other stuff going on). This time round they have returned my cheque and write that they have processed my request. The last time I phoned them on at least 4 occasions and the staff said they didn't know what I was taking about. Does anyone have a direct email or number to chase up the SAR? The name on the letter is Saundra Ruttledge, Ops Manager.

Shall I cash the £125 cheque and write I accept as part payment? Or shall I return it?

Thanks again mate.