Hello Girltuesday, Sorry for the delay in replying. I've been in contact with with the CAB, and my doctor, and as I'm so deeply in debt I've decided to call a halt to claiming my charges back, at least for now. I just can't run the risk of counterclaims whilst I'm in this much trouble. I did however get a response from MBNA about my complaint, it was quite good, but until I pay my arrears off I can't do much. I am NOT going to drop this, I'm just going to leave it for a while. Thankyou for your help.

Cheers Rob

Thanks Pete, I think I'll try to raise the £30 and offer it to them but at the same time try to appeal.

Yesterday I had a meeting with the Citizens Advice Bureau about my debt. I bought a parking ticket to cover me for two hours, thinking this would be ample. Unfortunately my meeting lasted over three hours and so consequently I recieved a £60 fine, reduced to £30 if I pay it within a fortnight. Needless to say, I haven't got the money. I wouldn't usually try to wriggle out of paying, but I'm thinking of writing to the council to explain the circumstances. Does anybody have any views on this? All feedback greatly appreciated.

Hi un1boy, sorry I'm miles behind you with cracking the egg, and can't really help, but never the less I wish you good luck and felt like bumping your thread to encourage someone to help!

Well done!!!!!!!! If only all of us could get it sorted out so quickly. Now go get the rest of them who owe you! (and give your 5%). Nice one.

And still it goes on (and on)...... Received yet another letter from them saying "Your decision not to pay your arrears" etc etc "and forced MBNA to inform the Credit Reference Agency of the arrears". I've got a repayment plan agreed with them for heavens sake!!!!!!!!! The "your decision" bit must be related to when I said I wasn't prepared to discuss it on the phone anymore as they just ignore any agreements I've made (3 calls already now to say the same thing). I'm at my wits end now. In the same post I received a letter acknowledging my complaint. My debt to them is very much short term, and I've explained that to them - I want to phone them but can't see the point as they've already said the calls will continue regardless. Can some kind soul please give me some advice, and also let me know who I should send copies of my letters to (ombudsman?). In a couple of months time I can pay them back in full and cut the card in two but I don't want my credit rating taking a beating. Needless to say there's no reponse to my S.A.R yet either. I'm SO angry/worried that for once I'm not even sure if this post is grammatically correct - sorry fellow CAG'ers, just need advice please. Thank you.

No, the forty days begin from the day they receive your S.A.R, they're stalling I think.

You're probably right girltuesday, it's driving me mad. Will send second letter of complaint asap.

It's actually MBNA. I can't see the point in arranging repayment schedules if they just carry on calling you regardless!

Called them and they were just asking for money, told them there's a formal complaint in progress and to put everything in writing (again). I was told the calls would continue...grrr....so will now proceed with my complaint and send a copy to ...err...dunno...OFT? Banking ombudsman? They're making me angry now.

Cheers girltuesday, I think I'll call them, hear what they've got to say, and then ask for everything in writing. I do find it odd that they rang even though a large chunk of my complaint was about them ringing!

Well their five days to respond to my complaint are up today, and they've just called and left a message asking me to call them back. This is despite the fact that in my letter I asked them to confirm that all correspondence is conducted in writing and not by phone. I can't decide whether to return the call or not. I'm certainly not going to discuss my complaint or my S.A.R with them.

Good luck Yasmin, am thinking of you.

Cheers Thailand, will look that up.