Thanks for your reply sunflower, greatly appreciated xx

I'm thinking mine was from the former BOS before it merged with Halifax.

Thanks sunflower. I think I got my card in 2001 or thereabouts.

So whats my next move? Sorry for my spoon-fed requests!

Hope everyone had a good christmas. Right I have had a response. They have enclosed a copy of my terms and conditions and a recent statement of account. They say they have also enclosed a copy of my credit card agreement. Wouldnt this be something with my signature on as no such enclosure was sent?? Also the terms and conditions that they have supplied are not originals and they say sorry for not being able to provide a photocopy of the originals? Any words?

Ok thanks. Will enjoy lots of popcorn while I wait!

Have not heard anything in more than a month, from MBNA or their sidekicks?

*bump* Still not heard anything, do I need to fire off another letter?

Well there has been nadda today

So its approaching Monday the 20th, nothing yet... What do I do if they fail to respond?

Loans issued 0% APR

Ok - will make a mental note of that. Somehow I'm not optimistic Am keeping an eye on Royal Mail so I can get the proof of delivery. Quite interesting as they have said its been delivered from their Chester office, when my letter was clearly addressed to a place in Manchester.....hmmm (said Nanny McFee style!)

Will be watching

Sorry for delayed response. I found here because of my war with MBNA. Am happy to help out with any banking niggles

Ok just done my CCA request using AA99's template. Working from tomorrow's date they have until 21st October-ish to reply to me. All agree?

Thanks for the heads up guys. Much appreciated.

Is it MBNA or Debt Clear Im sending it to?

No not yet. To be honest I dont really understand the whole process - is there anyone that can describe it to be short, sharp & sweetly. Thanks.

So I have a letter demanding payment, and also informing of proposed court proceedings. Am gonna forward to CCCS tomorrow, is there anything else I should do?

Thanks guys. Looks like I have a few threads to follow :grin: No doubt I will be back with questions.

I get ya!! Thanks again, off to ring CCCS now x

Thanks for your assistance - I love that word cretin! Can I do both as in contacting CCCS and also request the CCA? My account was originally with Sonycard until MBNA took it over.

Hope you all love my username so aptly created PS - I work for a major high street bank, that got taken over last week. Answers on a postcard - with obligatory chocolates

A Bit of Background I have a debt of approximately £1,500 with them. I went through the cccs to help me with a debt management plan, and so therefore began paying all my creditors an amount every month. This was Sept 07 And then... In March or thereabouts they contacted me and basically said that they hadnt accepted the offer from CCCS and can I increase my payments by £9.50 via standing order. I did this and thought fine its all done and dusted. Which resulted in A company called Debt Clear Recoveries & Investigations contacting me in June to say that my account had been passed to them as I was not making the required payments ? I explained over and over again that MBNA had contacted me earlier in the year to confirm what I had to do. No one wants to listen, and I'm being pressured into borrowing money from relatives - oh and the golden figure of £26 a month which they have magically assumed I can afford!! Total Joke! I am not stupid, I could feel the aggression in his voice as he dictated what I had to do in order to sort this. Oh yeah I forgot to mention that I have reported the whole matter to the FOS indicating that MBNA had not dealt with me fairly yadda, yadda, yadda and I am currently awaiting a response back from them - he hated everytime I mentioned that He kept saying that they were seperate from MBNA - but then said that MBNA still owned the account - TWIT In the end I put the phone down on him, as he would not listen to me and as far as I am concerned I dont have to deal with them. Then I did a GOOGLE search and ended up here So far I have spoken to an Ian Anderson and a Mrs Habibi - both of them display the same qualities, forceful bullies. As I refuse to deal with them, (despite them making me over generous offers to repay as I forgot my ability to conjure up wads of money ) - where do I stand? Your input would be appreciated, thanks