Cornucopia/Battleaxe, Could you enlighten me more on my previous post please? Kind Regards, Tim

The credit card is through Alliance & Leicester with MBNA the provider. Do I make the chq payable to A & L? Which is the best address to send to - MBNA address or the A & L address? I was going to use - Michael Rhodes, MBNA Europe Bank Ltd, Chester Business Park, Chester, CH4 9WW Many Thanks

Thanks again Cornucopia. Who do i need to make the £10 cheque payable to when I send the SAR letter? Regards, Tim

They are charging me a couple of £12 charges for late & payment fees. i thought the interest they charged was claim-able, being as this was set out in the contract at the outset? do i basically just claim for EVERYTHING they have charged me i.e. interest, late fees etc? Regards, Tim

Thanks for that, I will send them a SAR letter shortly and obtain statements from the last 6 years. Does anyone know if i will be able to claim the payment & late fees (£12 each) back from MBNA? Do I also need to find out the interest rate and charge this as well? Any clarification would be muchly appreciated, Tim

Hi all, I have contact my bank to obtain statements for my credit card - which ive had for several years now. They told me they could send statement going back to the last 12 months for free & any other statement would cost £5 each?! I will attempt to calculate my charges on the 12 months worth of statement they are sending me. Looking at last month's statement they are charging a payment fee (£12) and a late fee (£12) - are these charges which i can claim back? (unfortunately i am regularly over my credit limit). What charges can i recover & do i follow the same steps as the bank charges template letters? Any advice would be much appreciated! Tim