Can they charge me interest on the account if it is in dispute? Statement is due soon and I am wondering how to approach this next phase.

CCA sent recorded delivery 13 April. Will MBNA send out statement with interest and late pen fee even though debt now in dispute. If so what do I do next.

Thanks Cornucopia I have no intention of sending ID to them, if 40 days is up then striaght in with non compliance not to sure about this CCA. What is it. I have been with CCCS for about 2 years all creditors stop interest as I was making regular payments most of debt gone. MBNA waied until I got below my credit limit then started charging interest again at 29.9% thus making my regular payment through CCCS their minumum payment which is their interest charges now debt with them at stand still going nowhere.

Still response from mbna from SAR. I take it that it is normal to wait full 40 days until a response from them and even then it is a delay tactic, should I phone to remind them that SAR is requested to get Bll rolling a bit faster. :confused: if so what is best number to ring all I have 0800 062 062 given this by girl from customer support.

cheers Karne

Question about claiming more than recognised by small claims court. In NI the small claims court is £2000. If a claim against charges is in excess of the £2000 is it possible to put in two separate claims i.e. dated from 2001-2004 then 2005-present.

I have been reading alot of the threads the last two days, I'm ready for them. First letter posted 27/03 recieved by recorded delivery 28/03 not sit back and wait I suppose

I got this template letter for moneysaving expert before I seen this site. Is the list of charges enough information needed to tackle credit card companys or would i need full statements

Dear Sir or Madame Re. Account number: **** I am writing to request a fully comprehensive list of all the default charges for late payments and over limit charges I have paid over the last six years. Please find enclosed a cheque for the maximum statutory charge of £10. If you are unable to provide this data, I will accept a copy of my card statements going back six years. I understand that statements on their own are not covered by the DATA PROTECTION ACT 1998, yet I’m not requesting the statements per se, but the charges, which I’m entitled to by law. I look forward to your response within 40 working days, as MBNA is obliged to reply under the data protection Act. If not I shall seek remedy from the Information Commissioner. this is the letter I sent to MBNA it worked with the bank charges I got a full list of statements. Will this be enough for MBNA

Just recently reclaimed bank charges of £1162 now ready to take on mbna