I successfully won my battle for Loan insurance with Egg! The insurance that is paid upon getting the loan! I received a i nice cheque for £1860

Trust me, you have to be patient! I have been having a battle with MBNA for a year now! Keep all the letters they send to you. I lodged a complaint with the financial ombudsman who have uncovered that the 'signed' agreement was completed at Liverpool airport in 2006, which they filled in & 'apparently' i signed! I have only flown from there in 1997 & 2008!! their investigation is now for fraud!! With regards to the charges list - they never send the correct documentation (instead sent in excel format & not formal statement format). They also sold my account onto Interum Justitia; when they shouldn't have done...especially when the account is under investigation. Like i said, be patient, keep all the letters & if it get's too stressful..inform the Financial Ombudsman...they are VERY thorough!! & very helpful! Good Luck

I have been in dispute with MBNA since last August! 4 weeks ago I got the ombudsman involved after they sent me fraudulantly filled in agreement - They are now under investigation by them! they were supposed to reply within 12 days...never did....today i received a letter stating that they had sold it on to a debt collection agency..mmmm interesting. Wondering what to do next!! any idea's???

They have sent me my 'agreement'....somehow managed to copy my signature & even better they have filled in all the blanks!! obviously not my writing...spelt my street address incorrect,,,spelt sales manager as sales manajer!! & i apparently was working at a company i wasn't even employed at during that time!! quality!! How would you respond?

I received a letter today from MBNA with a 'copy' of my 'signed' agreement! I actually applied for this on-line, so never signed anything! Also they have clearly filled in the sheet themselves, clearly not my writing & even spelt my address incorrect! What do i do here? I asked for an original of my agreement! I also sent on 12th January & received today! are they not supposed to respond within 12 days?? Help would be appreciated

Just make sure you send them a letter with your financial statement - send recorded delivery (they will not respond to your letter of help) - keep any letters they send to you! Send in the CCA with a £1 postal order (do not sign) along with telephone harrassment letter. You will find it does get quite amusing how they conduct themselves!! you will be stressed no more.

Help! i sent off my SAR which they replied to, with a list of charges...no statements..can i get these?? Also, what do i do after the CCA?

Don't buckle! be strong with them! read a lot of these threads & they are very, very helpful...they are just bullies -

Just like i had today - the guy was a proper idiot! he confirmed that they had received the telephone harrasment letter & said he wasn't doing anything wrong! then said he would not confirm anything inwriting........all recorded....

The guy was a joke! I advised that he was committing an offence by calling me..he said it is not illegal! He then said, did i want interest frozen?..i told him that i mentioned that in my letters 4 months ago! he said do you or don't you? I said yes & can you send it me in writing! he replied, 'no i am not doing that! (all recorded)

I have received yet another phonecall from MBNA today - i advised them that they had received a telephone nuisance letter! & he still carried on! For anyone's enjoyment, i recorded the phone call - how do i get it on here??

I recorded the voicemail from my mobile & logged it!! i find it quite funny aswell..... shoot & foot come to mind!!

This company amazes me to the point of disbelief! I sent MBNA a CCA on January 12th...guess what! i received a letter dated 15th Janauary stating 'a default is due to register on my credit file'..are these people real?? Oh & with that CCA i sent a telephone harrassment letter & guess what!?! i had a nice voicemail on my mobile from........MBNA wanting me to call them back!

Help me out here! I sent MBNA a SAR in December - they replied on 14th January...However they sent me list of charges (not statements) dating from February 07..I have had this card almost 3 years. Amazingly all the charges listed on a blank sheet were £12!!

Well i sent my claim & they have failed to respond withing the requested time - what is the next step?

Yet another tactic! I received a postcard from them today! A lovely picture of a snowy backdrop..nothing to say it is from MBNA..just saying 'hiya Gary we will call you week commencing 12th January 2009'.....needless to say it was ripped up & thrown in the bin. But the worst tactic of all! They contacted my sister to see if a live there!! how the hell they got her address, she lives 45 mile from me!! i don't know.....these people are bordering on serious harrassment!!!!

Oh poo! i signed a letter that i sent to them - i know i never signed anything for an agreement because i did it on-line 2 years ago

Well if they do that, that is total fraud!!

why not send a cheque?

Not done the CCA yet - i will send that off to them...thanks I feel sorry for the people that they have managed to get hold off; you seriosly need to be strong with these people! they are bullies! Anybody in this position...don't feel as though you are being victimised; you are one of thousands that are in the same position after suffering financial hardship..if they doing it to you..they doing it thousands!

These MBNA people are beyond belief! After receiving yet another 'default' letter after they ignored 5 letters that i have sent to them...they try & be devious by calling my mobile with a mobile number: 07795 526270 07789 677979 They have tried this before & i have already barred 2 numbers that they try & call me on.

I used to pay direct debit, then stopped it when they tried to take £800 out of my account!

I did receive paper statements before, then just stopped...as i wasn't using the card i never noticed! I never received any letters at all; i only started to know of this when they started phoning me saying my account was over the limit.

Hi I have had an account with Mint for over 8 years - i stopped using this in December 2007 with account at £6000 (limit £11000) I received a phone call in May 08 saying that my account was over the limit! I explained that i hadn't used it for months - they insisted i paid to get balance up to date..which i refused. I informed them that i had not received any statements for over 7 months; to which they replied Mint 'you receive email statements' Me 'i have never received any' Mint 'hold on let me check' Mint 'we don't seem to have an email address for you!' Me 'please can you investigate & get back to me please?' Mint 'yes' After at least 4 calls/day over 4 weeks - this was still not resolved. up to date they have continued to charge interest on the account (£12,500) I have sent them financial statement & offer of payment. of which they have not responded. any assistance???

Cheers Maroon - would they threaten to close my account though??