Sent Subject Access request to MBNA. How long to they have to respond?

Having read some of the posts, this could be a long job. My other creditors have been very understanding and accomodating, but not MBNA and by the sound of it DLC seem to be singing from the same song sheet.

Thanks for your prompt reply.I will write to DLC and also request a CCA from them.Is it 12 days that they have to respond in?

Can anybody help.I wrote to MBNA on the 22 July requesting a CCA. They wrote back on the 31 July saying that "the details are being processed and will notify me in due course".Today I have had a letter from 'direct legal & collections'. Apparently MBNA have sold my debt to them. I have spoken on the phone, and was told I have 7 days to pay 10% of my debt and a further 3 weeks to clear the balance. If I don't pay court proceedings will commence.What can I do?

Can't believe it. Received a letter today from SCM that their client would be depositing £2870.30 into my account. I've just checked and there it is, YOU BEAUTY. Thanks for all the help and support from everybody involved with the site. A message to anybody just starting out is 'Don't let the b******* get you down'. It can be done.

Just received my 'Acknowledgement of Service' letter today saying Lloyds intend to defend. I was a bit worried, but having read these threads I'll just keep going. Is there anything I should do now or do I just wait to hear from them.

This has probably been covered before. Do you put the Head Office address or your branch address on the court forms ?

LTSB have completely ignored the LBA I sent, not surprising. They did, however, reply to my initial letter, saying they didn't agree with the OFT's thinking. A couple of patronising paragraphs on how I should manage my funds better and a final tough luck. Is there a 'Small Claims Template' on the site, or do I need to go to the local magistrates for the relevent documents ?