I’m not sure if I’m entitled to claim anything from MBNA, It started 4 years ago, when i hit my limit of £5300 So I cut up my card & made monthly payments, but there are times when I just cannot afford to make a payment. So, although I have been paying £150-£200per month to MBNA for the last 4 years, I still owe £5300 When ever I contact them, to come to some sort of agreement, they are just not interested, they just demand I make payment by debit card, immediately!

thanks for the advice glenn

i `m going to try claiming the £2361 Abbey have taken from me in just 20 months, i already have my bank statements, my question is, do i post the prelim letter to head office or my local branch???? if its the head office, does anybody know the address?? cheers