I would expect that he will only offer you a partial offer, you will have to ask for the rest and intrest.

Thats ok then , I wanted to check as I want to send everything off tomorrow. If only it was easy a MBNA. Cheers Dan

Hi, I've finally receved almost all of my statments from HSBC. Only got jul06 to the request date to come. If I should expect anything else, IE what does the SAR acually request? I'll be sending the perlim later this week. Thanks Dan

Hi, the number I have is 01244 672 628

I'll dig the number out tonight (I cant be assed to search), otherwise look though the forum for the direct dept number. Dan

Give Paul Miney a call and explain you havnt receved a list of all the charges. Explain that you came from a sonycard which may explain it. He'll probably offer to settle over the phone once he has got all the charges. Dan

Got my cheque today I miss heard him on the phone no quite as muchj as I was hoping for but is still more than I can calculate. I just need to pay it in now. thanks dan

I didnt but I would assume that they would have ppl monitering bords like these anyway. Dan

I spoke to paul this morning. A very helpfull guy, offerd me the origanal charges, I asked for the compound intrest. He only calculated it up to when my ballance was payed off, so asked for 8% on top Not entily sure how he came to the final figgure, but am happy with the final settle ment figgure Now to decide what to spend it on. edit: forgot to say thanks for the help

Am tempted, but I'm not good on the phone - and wouldnt know what to say

Well, I've sent of my perlim this week for £274, after being offerd £100 as a good will gesture. Not mutch I know but evey penny helps. Hopefully I will get it all back without having to phone them up. fingers crossed

Is there anyone in perticular who I should speak to? What do I say? "I've receved your offer, however I do wish to persew the full amount along with compound intrest." Cheers Dan

Hi, I'm not 100% if this is the right place to ask this but I'll go ahead anyway. I sent my dpa/Subject access letter off to mbna a while ago, I've receved a letter from them with a breakdown of charges and a form for subject access requesting id. Should I accept that this list is correct and not bother with sending off for subject access or should I press on with it? If I do request it do I need to give them another 40 days or do I stick to the origanal time frame? Thanks Dan