Are you saying that they settled your claim by cheque? If so, then I would say that you still owe them the money.

I did not know there was more than one sort? What are the examples and I will find out if I can. I beleive that the company was St. Andrews or something very similar

Hi DP////////// you still have some personal details above (email address)

In theory we should be able to continue with claims about Credit Cards, but in practice they seem to be "stayed" quite a lot too.. No-one can answer this one for you. Personally, with my claim to Barclaycard I have decided to wait a while.... There is a thread somewhere regarding which courts are more likely to grant stays than others, maybe check out your local one and see?

I am pleased the account is still open. Send off for your CCa, letter is in the templates...................... £1 and recorded delivery xxx

IrishChick? Open up your own thread in the MBNA forum... I have had a thought. You need to CCA them as your account is so old. It will (in my opinion) speed the process up

all MBNA email addresses are [email protected] but any to Rachel seem to bounce back, but having said that, give it a try

My advice would be to keep the cheque.....but use one of the template letters stating that you accept the cheque as a part of the settlement only, and that you still intend to persue them for the rest of the claim. This sounds typical of MBNA, they do tend to send out offers (in my case they credited my account) in the very very early stages. I wouldn't be suprised if you get another offer a little way down the line. Don't worry, keep going, you are doing everything right. Did you receive credit for the £75 they took for the statements? You definately need to push for this........ It is a stat. charge of £10 and they know that..... I see a bit of a pattern here..... you received your first payment without having to ask for it, therefore I am guessing that you have had your account with them for some time? maybe 5 or 6 years+ ? Normally I would suggest that you should send off for your CCA. However as your account is closed I don't beleive that they have to provide you with it. maybe someone could confirm this?? If the account is still open however, CCA them.... They won't have it, and it seems to provide good leverage with them.... Next step; work out your charges, plus interest (according to your most recent statement, in many cases it is 24.9%) send them the prelim approach for repayment, manipulate the rejection template letter and add it to the end of the prelim letter. Stating u are persuing £xx plus £xx in interest, Total £XX minus £XX which you received on the DATE and you thank them very much for! and you are still claiming for £XX Good luck!

could any of you knowledgable guys have a peek at this thread? Think Larney needs some help http://www.consumeractiongroup.co.uk/forum/mbna/111152-very-suspicious-l-mbna.html#post1087205 Buga....I have just realised I am on Wednesdays thread, instead of my own,,,,,,,, sorry for the hijack hunny. Same experts, different place xx

I think maybe you could PM Josie8, Steven4064 and DaveFirewalker they have popped up some threads recently and given some very good advice regarding CCA. If you are unsure of how to do it, give me a yell

SUFM= aka Buffy the Bank Slayer..... some say witchcraft !!!!!! lol

Hi everyone... I am totally out of my depth with this one... it is on behalf of a friend. I will post regularly with any updates and hope that loads of my knowledgable friends will subscribe and help us along the way: I have a very good friend whose partner is suffering with a very rare and it appears un-cureable illness. He went from being having his own limited company to being home "on the sick" in a matter of weeks. He had no time to prepare and was not able to sort his finances out in time, consequently he has been fighting with all the various companies he owes money to for the past couple of years... some are a lot easier than others. MBNA is one of the challenges.. I am trying to help, if I can. Fortunately he had PPI insurance with them, so you would think that they should have been easy !!! If only... after various months of wrangling with their insurance dept, in January of this year he received a letter from them, saying they were paying a lump sum into his account, which would cover the account until September of this year and he knew that the amount they stated would clear the account in full............. excellent they thought, that's one less problem to deal with. However, out of the blue about 6 weeks ago they received a letter from MBNA stating that he owed over one and half thousand pounds and it was seriously overdue (you know the sort of letter, "let us try to help you, contact us and we can help you sort this out") He was puzzled but not overly concerned, as this must be a mistake. Apparantly not... To cut a very long story short they phone him and write to him regularly and they are adamant that he does owe them this money. Even though the money was paid into the account at the begining of the year, it was to cover until September and he still owed them the monthly interest and PPI payments. He had not received one statement from them this year..... when he queried that, they said that their was a postal block on his address as they had been informed that he was not living there any more, even though they have his mobile number (which has been the same for some years) and have not tried to speak to him once about this. Funny how the letter demanding repayment arrived at his address though! We sent a SAR to them at the begining of July, clearly stating that we did not just want a list of charges, we wanted the whole of the account information. Typically they just sent the list of charges. So when we queried this they sent another form to him, for ID (which we had already sent) and asked for the cheque all over again. I wanted to persue the 40 days from the first letter, but my friends decided to start the process again. We are on approx day 30 I think now of waiting for this information to come through. The card is about 6 years old, and was initially a card opened up in a super market. I dont think that the charges (even including the interest( will cover the debt. Besides that, I dont think that the debt should even exist, so if we decide to persue charges it will be nice for my friend to be able to have a windfall, rather than just a clear account. I will keep you posted as things develop. I just wanted to start the story off and hopefully some of you will subscribe to my thread and be ready to give some valuable and much needed advice shortly. Should we CCA them yet? or leave that for a little while? Also, should you receive terms and conditions for the PPI in the SAR? That would make very relevant and interesting reading I think. Thank you all in advance

did you sort out a spreadsheet and charge them CI too?

emails to Rachel seem to bounce back... try [email protected] other people have (including myself) and it has been pretty effective..

I am not nearly experienced enough to help you larney. But make sure you "Bump" this thread every now and again, I am sure there are some other more useful CAGgers than me out there! What I can do for you however is post a link to the thread you mentioned!!! http://www.consumeractiongroup.co.uk/forum/general-debt/106635-help-signature-cca-forged.html

Before the LBA (letter before action) send this letter, the LBA is the one that you send 14 days later. But yes! Have the coffee and sticky bun and be very, very patient!!! Absolutely ditto to the advice about sending your letter recorded/special delivery, you need proof... http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

Today I posted my complaint off to FOS regarding my lack of CCA, so I will let you know what their take on things are

Colin Pugh.........whataguy!!!!! Excellent Camdenite, congratulations..............Let us know when your cheque arrives! C O N G R A T U L A T I O N S

Mine was with Abbey too.... I just wrote Abbey Credit Card on the top of the address and MBNA on the second line....

Hiya Fullyskinted...... No they did not provide me with anything, other than the letter that I posted on my thread stating how my debt was enforceable regardless of the fact that they could not provide me with any information, and that they were breaking the law themselves!

Thats brilliant news, congratulations x

Ryan. I am a bit concerned that you seem to have so many threads going on...... maybe PM a moderator to get them all merged, as you could miss some vital answers?

You should be aware that they may close your account,,,, these things can happen. With bank accounts we are advised to open a parachute account, just in case. Maybe the same principal would work for you with a credit card? I think it is Barclaycard that are known for reducing credit limits when the letters start going back and forth reclaiming the charges. It's not fair obviously, but it could happen......

http://www.consumeractiongroup.co.uk/forum/mbna/110732-cca-section-78-request.html Hiya, could someone please have a look at the above thread in the MBNA forum regarding terms and conditions and CCA, thank you

I am glad to hear you say that Wednesday.......... I do not understand the principles of compounded, and even 24.9% is a bit more than I can get my head round...... to be honest stat 8% makes more sense. In the cold light of day, just to receive the interest payments back would be enough... more than enough actually! I have still got more serious thinking, reading and questioning to do before I take the final plunge here...........but I do know that I am not giving up, no way!