What am I looking for? I already know how to reclaim charges after already defeating MBNA. I'm asking for answers to specific situations as outlined above. Honestly, trying to work to deadlines whilst simultaneously seeking advice on forums is like expecting a bus to get you to work on time.

Nope. Not only can't I see any Egg FAQ's I thought I'd ask you experienced and knowledgeable folk instead.

I will be continuing this quest today. Reply at once or I'll have to go it alone. Again.

Yeah?

Point two: I sent my letter demanding £200 a couple of weeks back and have today received a "We've received your complaint" letter. At no stage do they ever refer to the nature of my "complaint". I'm not even making a complaint. I assume this is just a stall-letter? After all, aren't I the one who gives the deadlines in this instance? Should my next course of action be to send the "You have not sent me a satisfactory response and I will go ahead with court action unless you deal with this within 14 days" kind of thing?

Point one: My initial letter to Egg was a DSIR (or whatever it is, the thing where you claim under the DPA) asking for statements for both my credit card and loan accounts that I had with them. I sent them a cheque for £20 to cover the cost of both batches of statements. They sent me the statements for the credit card and also a letter saying "you've paid us too much, where shall we send the surplus £10". I wrote back and told them what the 'surplus' £10 was for and what they should do with it. Weeks down the line I sent my statements back claiming £200 (pathetic amount, I know) for my credit card, and prompted them to send the damn statements for my loan account. Is there anything I can do to punish them for breaking the 40-day DSIR deadline by several months?

£850 won off MBNA! That's next years holiday sorted out. Cashback!

Shouldn't you be the one taking them to court? It's worth every penny to do so. Once they get the court papers through they collapse faster than an England World Cup campaign.

Heh, I'm in a great mood at the moment so I'll forgive your tardiness No help needed at the minute but I'll be starting a campaign against Egg next. Maybe I'll call on you then! Cheers

Thanks for your prompt responses. I've just received a cheque for £530 from MBNA.

160,000 members and nobody knows? I may as well have asked on GameFAQs!

Today was the final day MBNA had to respond to my MCOL claim, and lo and behold the result was: "You are unable to take any further action online on this claim. The Defendant disputes the whole amount you have claimed. Your claim cannot proceed online and will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transferred to shortly." What a surprise. Is this the usual script or are they actually going to meet me in court? I was hoping they'd miss the boat and I'd win by default. Why do they leave it to the last minute anyway?