Hi Macfadzean1 That is what I have done so lets see what they do next Regards tattyrabbit

Hi Glav, Thanks for advice I have just sent standard rejection letter with a few minor tweaks to suit where I am with them at the moment. What breaks my heart is Halifax have just sold one of my last two credit cards to MBNA last month but I have never defaulted with anyone else so fingers crossed I never find myself in this position again. From what I can gather they have not linked the two accounts.

Have received an offer of £280 as full and final settlement of charges of £780 + interest from 2003. I don't want to accept it. What do I do now?

Hi again, Sorry for delay in replying my father-in-law died and we had to go North for 3 weeks. I have just received offer for £280 as full and final payment. What do I do next I do not want to accept it.

Thanks for replies I guess I will carry on paying into the MBNA coffers until they say different. They haven't answered my email so I guess that says it all Thanks again

Hi I don't know because I only have the amount they owe me to pay off

Hi I am stage 2 of the reclaim of MBNA charges. I have just sent an email to Rachel Claridge as well today to ask her to suspend the payments of £40 per month that I am paying to them against a debt that was incurred due to their charges. I only owe them £850 and when they sent me the overpayment and late charge fees they amounted to £742 and that is without interest back from 2002/2003. What are the chances? tattyrabbit:confused: