Thanks for your help. I did submitted a SAR and MBNA sent me a list of charges for the account including all the ones from when it was run by BOS. There was no Manual Intervention sheet with them though. Just pages and pages of my out goings and charges. The funny thing is, not once has MBNA said that I need to contact BOS for any charges from before they took over the card. I've just sent of the 'letter before court action' letter, still asking for the full amount, so will see what they have to say.

Sorry if this has been asked before. I have searched through the forum, but haven't found the answer. I have a Sony card that used to run by BOS, I have been trying claim back all the charges from MBNA. They have offered me the difference between the £25 and £12 but only up till MBNA took over the card from BOS. Are they just fobbing me off and I should carry on trying to claim from them? Or should I now try and claim the charges pre MBNA from BOS? Thanks for your help