Mmmm.... I sent the Data Protection request with a postal order instead of a cheque, so that they could not return it. I am not sure if this has helped because they appear to be sending the information out as a matter of course and I am £10 down:confused: . Anyway, they have got 16 days to come up with the goods. I should really start with LloydsTSB now, but I wanted to see how this one pans out first, before getting into parachute accounts etc. Warrior.

How frustrating is it, waiting for the 40 days to elapse or the info to come through? I did receive the previous 12 months statements, (Well I say 12 months, there were 3 missing), from MBNA after a request prior to starting the formal route as per your instruction - Anyway, the charges totalled £450 for a 9 month period, which has only served to make me more excited about how much I can claim when all the statements arrive . Enjoyed reading the other threads as everyone else's cases move on and continuing to recover what is lawfully ours from these clowns. Keep them coming. I will go back to waiting patiently and bother you all no further, until something happens. Cheers, Warrior

Received a standard letter yesterday from Rachel Claridge, (They must be receiving loads of claims now, because they have given her an electronic signature for these cases). It stated that they were in possession of my "complaint" and would respond within 28 days. That would put them to day 36 of the Data Protection request. The letter also mentioned contacting Gareth Tunicliffe - I will keep his number, he appears to be the man to resolve the problem towards the end of the process. Warrior

Hi, I am currently going through the motions with MBNA, to be followed by LloydsTSb and I was hoping to get some advice on going through the same motions with the CSA - Obviously not along the lines of unlawful charges but the accrual of arrears through their incompetence and downright shocking administration. Has anybody been down the small claims route with the CSA? I am 100% confident that any Data Protection Request would not be processed within time and the case could become another landmark judgement for the CAG. Some advice please. Thanks Wigan Warrior

Got a letter Saturday with an explanation that they do not have to inform customers of their decision to not replace expired Credit Card - Surreyscouse, as expected. I had also asked for my signed credit card agreement which they stated was enclosed - It was not. Anyway this is a minor side issue. Before registering on here I had sent them a letter requesting 6 years worth of statements - They stated in the letter that it would cost £2.50 per statement - So glad I joined you guys, and started doing things right Data Protection Request etc, otherwise MBNA stating that cost would definitely have put me off. Also recieved and read the Lawpack Small Claims Kit on Saturday so feeling confident. Warrior.

Put into my Outlook Calendar, set reminder on mobile phone and emblazoned across the office wall planner. You would think that people would just want a no fuss resolution, but these jokers make you want them to mess up, so you can keep hitting them.

MBNA really are a bunch of incompetent wasters!!! Aside from the commencement of my action to recover their unlawful charges, I still had the other complaint regarding their complete lack of customer service in the withdrawing of my Credit Card without information of instruction. Steve Bailey, Head Of The Customer Advocate Office, promised to give a full explanation, "to my satisfaction", by the 11th July. Low and behold nothing turns up. Phoned the Customer Advocate Office to be told it was sent on Monday, (Not the first time they have stated sending correspondence to find I have not received it), and they would resend it today. Anyway, checked the recorded delivery Data Protection Request and it was delivered on 11th July 06 @ 07:40 - Does the 40 days start from this date or the day after? I am keen to be as efficient with these sharks as possible. Warrior

Adamski, Thanks for the advice. Sent the Data Protection SAR recorded delivery with a £10 postal order in their name yesterday. Cheers Warrior.

Sound, here we go then with the Data Protection Act request.

SurreyScouse, Thanks mate, I am also an exiled scouser, although not as far away as you, hence the name. I sincerely hope that MBNA will be as sick of me as much as they obviously are with you at the end of this. It was a bit of rant, but based around how much it p's me off the amount of hassle you have to go through for some payback when they, (Any large financial organisation) makes a mistake. Now that you are on board, I feel confident enough to go for the whole lot. My proposed actions / points are: 1. I am not bothered about receiving a new card and I don't particularly want it - I have lived without the use of one for nearly the whole life of the agreement anyway. 2. I want some form of remuneration for MBNA removing their credit service to me without any instruction or information. 3. I now want all my charges back - This will be a significant amount. Game on, where do I start?

In fear of plagiarism, This is War!!!! I would really welcome some help and advice. Along the same lines as SurreyScouse I am really sick and tired of these wasters. Here is my story so far: I took possession of my MBNA platinum card in 2001. Regrettably, due to changes in personal arrangements I was unable to make some monthly payments and consequently went over my agreed limit. Pretty standard stuff really, however this went on for a number months and intermittently since the end of 2001. Despite virtually throwing every spare penny at the account, I have only, within the last 4 months, got the account back in line. The above you make think, forms the basis of my disgust and anger but initially I had never really thought about it - As many people have no doubt thought in the past, probably still do: It was my own fault and I had entered into an agreement with them which I had acted contrary to. Then a situation that changed my feelings - At the end of March 2006, my Credit Card expired and I did not receive a replacement, or any correspondence to inform me that I was no longer entitled to one. I duly rang MBNA "Customer Satisfaction", in early April 06, taking the obligatory 45 minutes to navigate and was told that they did not know why I was not sent a replacement, however they would investigate it and contact me within the next 14 days. This promise was not kept and I sent a letter detailing their failures and a request for how I was to be remunerated for MBNA acting contrary to our agreement. A further 14 days passed and I had still not received a reply. I sent another letter and a few days later received a letter from Stuart Johnson requesting I rang his "Customer Satisfaction" representative. I replied by letter that I was quite disgusted that MBNA expected a customer to contact them regarding an issue on their part and I was not prepared to be put on hold for 45 minutes before speaking to anyone. Aside from the phone system, I want everything in writing. I received a further letter, informing me that I would have a full written explanation of how they have arrived at this situation by the 9th July 06, (Not long now). My real irk is - When in the past I have acted contrary to our agreement MBNA have been extremely quick to penalise me financially, so what is a suitable penalty for completely removing their services to me without informing me of a change to our agreement? As a matter of integrity, I have continued to make my monthly payments as I have no confidence in them not trying to hammer me for not paying them. For me, it is now a question of "If you live by sword, you die by the sword" and I am waiting to weigh up their offer, (If any), with a view to going for the whole lot of charges etc. A bit long winded I know, but needed to get it off my chest and hopefully recruit some help from you fellow warriors who have already been very successful.