To be honest Optima Legal are your true grit leaches - they make there money by getting you into Court they really don't seem to care about personal circumstances but they do like to put a charge on your property whenever possible and charge there costs. Ok now the PPI is a bit of a thing - I bet that MBNA say that you ticked the box on the website and so you agreed to it.? I suspect that the box is pre-ticked. The problem with MBNA is that they seem to deny anything that relates to a telephone agreement especially matters regarding freezing interest on the account for a period of time. I am in exactly the same position as you and I am waiting for a court date. I have made a claim with the FSO for the PPI My intention in court is to go after interest and charges relating to all of the letters sent and time wasted waiting for Global Vantage to knock the door as there card insinuated. Now if you make a complaint with the FSO about MBNA then it actually puts the claim against you in doubt. I have also made a complaint to the Law Society because It is my opinion that Optima are really acting purely for profit and a report that was publicized on the internet reinforces the fact.

It is my opinion that the way MBNA and Optima Legal treat debtors is unfair causing stress with no helpful resolution and there appears to be little help available for us. As I am currently locked in dispute with MBNA whom have now washed there hands of me so the battle moves to Optima legal. So I am going to Court and I am going to expose the way in which they apply pressure, including the relentless phone calls at work and at home, the threatening letters that refer to charging orders and so it goes on. I want to bring to attention the fact that Optima Legal claim to be Solicitors of the year 2012 and yet they are regardless for our enviroment by the manner in which they waist paper. But I cannot do this alone, so I am asking for your help. If you have had cause to complain or feel you have been mistreated then please let me know. This can include anything from wont pay back ppi because of a tick box to anything else. I would like to go to Court with a good clean list of complaints in the hope it will prick the ears of the media and of coarse if I can help you then I will even if it just to point you in the right direction. So please list any complaints you have. Thanks for your time