Well Cornucopia you must have one wicked stare. Still no movement after months. I have been away from the Forum fighting my own battles and what follows is a brief summary MBNA from sending me on average 5 letters a week,threatening all sorts, seem to have run out of paper and ink. They have even stopped sending me statements. My case is currently with the FSOB who have managed so far to get me refunds in excess of £5000 but I have yet to see the appropriate statements with the amounts deducted. Has anybody thought to challenge the validity of MBNA's entitlement to a Credit License. Mint have written off a £5000 debt as a result of not being able to find the original Credit Agreement. Morgan Stanley are still digging their heels in over charges and the differance but so far I have had an offer of about £800 to be repaid, but I haven't accepted yet. Marbles or HFC have refund £1100 which I have accepted. Amex have cleared my account as a result of my offer to pay of the balance less charges. Nationwide Bank paid me in full over £1200 in charges. Not bad for 6 months work and no court appearances. You stand your ground. Best wishes

Interested in where this is going. Unfortunately a complete novice at what's the right and wrong way to go about it. I have been chasing MBNA on a number of fronts Refund of penalties Abuse of my data as per data protection act Lack of valid CCA's for 2 accounts Not satisfying 2 S.A.R's I have reported them to Information Commisioner and Financial Ombudsman Contemplating reporting them to FSA and OFT but need to gather some additional information. I have numerous letters from them where they have claimed that they have enclosed data/information and no such information has been enclosed. I also have various letters and documents which at best are intimidating at worse constitute harassment. Is there anyway we can file a complaint about their ability to act as a responsible lender? I suppose I should start another thread. Any advise accepted, in the mean time Wednesday go for it, you have lots of support. Regards

What's happening with the story here. No posts since 5th July. is everybody on holiday?

Phew just spent the last 2 and half hours reading this thread. I believe you are doing a fantastic job in trying to stick it to MBNA. I have just started my battle with them to get charges back. I gave up communicating with them some time last year after 3 to 4 years constant harassment via telephone,and mail. I would be tempted to just get your court papers prepared and get a summons issued against them now. It's the only thing that they seem to understand. Whatever you decide I wish you well. I shall tune in every day for further updates. Go girls.