Hi all, ive had a credit agreement back from IDEM servicing re my mbna credit card, please can you take a look over it please, thanks in advance Scan mbna.pdf

Hi all Had a credit card with MBNA since December 2001. Couple of months ago thought I would just check on the off chance that I had PPI - couldn't see anything when I looked online at my account. I went through the MBNA website and lo and behold it says that my account has had PPI from the minute the account was opened in 2001. Went through the claim and was given the 8 week deadline for a response. Had two letters from them confirming that they were still working on it. Got to the deadline day and decided to call them. Was told that indeed my claim had been upheld and that a payment was due of £576.48. I queried this amount and asked how they had made the calculation. The guy couldn't tell me but obviously had a script saying that with this amount my account would be back to normal. Not being satisfied with that I called again that day and spoke to another guy who again gave me no info. I asked if he could tell me how much each PPI premium was worth and what interest it had been rated at. Nothing. He said that he had no access to such info. Stewed on this and called again next day and spoke to a lady. All of a sudden she could supply me with all the info I needed, interest rates, actual premium amounts. On me remarking sarcastically that I couldn't understand why MBNA would bother sneakily cheating me out of less than £600 in 17 years. Didn't seem worth the bother. She then said that the PPI had been closed in March 2003 on this account, as per written request by me, the customer.?????? This was clearly a lie and alarm bells started ringing. The script kicked in perfectly again - "most people don't remember what they did some 17 years ago". I obviously asked for a copy of the letter to which I was told that we no longer have such a thing on file. Very convenient! I am alleged to have written cancelling an account that I still didn't know I had 17 years later. I told her that I smell a rat, based on the calculation she had presented me they could owe £15-£20k. Would make sense to try and blag me. She told me to send in a cheque for £10 and a request for "SAR" which she claims would show every single detail on the account from day 1. But now I don't trust them nor anything that they send me. Today I received the cheque which clearly I will not bank. Does this sound right to anyone? In two emails, two letters and then two conversations with their office nobody once mentioned that the PPI had only been for just over a year and that I had cancelled it in writing. Has anyone else had an experience like this? Feel like they have me over a barrel. Help!!! Thanks

HI there, Due to ill health and before I got into financial trouble I went to CAB who suggested writing to all credit and banks to inform them of my illness. Most of them have been very helpful, apart from MBNA who then allegedly sold it on as soon as they could. So, I need some help with this court case (end Oct) I have been sending requests to MBNA to confirm that they sold the account to Link who sold it to IDR. MBNA have been ignoring my letters, I sent a SAR to all 3 which all of them ignored. Contacted the ICO and eventually got some response from Link and MBNA, but still nothing about the selling of the account. After exchanging list of documents with IDR I asked to see notice of assignment, notice of arrears and default notice. I got these forward flow agreements; no name on them just a bulk purchase agreement with all the other debts/accounts blanked out except mine. This sheet was not attached to the flow agreement. I requested confirmation from MBNA (since I did not receive notice of assignment etc.) who just ignored my letters only one saying they do not keep the Notice of Arrears or Default notice on file as these are autogenerated by the computer!!. They have never confirmed sale. I went to the Ombusdsman (FoS) and they said I should try to resolve it with MBNA first by putting in a formal complaint to them that was months ago! Just keep on getting odd occasional letters from them saying “ ..sorry for the delay we will contact you soon.” Can anyone help or point me to someone who knows about these things? I have tried 2 local solicitors (rural area) who have no idea about these matters. One checked the Law database for Forward flow agreements but came up with nothing. I received from Link an Application Form and T&C's which, as you can see, are almost unreadable. IDR said that it was compliant with the CCA request - see what you think. I feel that since the others have been helpful during my illness that MBNA should have done the same. Complained to the Information Commissioner’s Office – some success - and FoS who told me to try and resolve it myself, but time is running out what with all the hospital appointments for us both and a very sick elderly mother to look after. Sidley

Hi just went on MBNA website as i credit card back in the late 90s with them , i have had a response saying yes it did have PPI on it and then they want me to fill in their own questionnaire. Is their a templete letter on here which will do a better job of makinag a complaint and what is the best process to follow. I am also doing the same for PPI with A Morgan Stanley(now Barclays) card and a peoples bank now Citi bank. I believe that all these cards were obtained via pre filled in application forms and included the PPI on the filled in application forms. Thanks in advance for any help

Hi CAG Team, Name of Claimant: IDR Finance UK Ltd Claim Date: 07 June 2017 What is the claim for: 1.The claimant claims the whole of the outstanding Balance due and payable under an agreement referenced 412XXXXXXXX and opened effective from 12/12/2007. The agreement is regulated by the Consumer Credit Act 1974, was signed by the Defendant and from which credit was extended to the Defendant. 2.The Defendant failed to make payment as required and by 30/11/2011 a default was recorded. 3.As at 29/02/2012 the Defendant owed MBNA Limited the sum of £14,094.67 by an agreement in writing the benefit of debt has been legally assigned to the Claimant effective 29/02/2012 and made regular upon the Claimant serving Notice of Assignment up the Defendant shortly thereafter. 4. And the Claimant claims - 1.£14,194.67 2 .Interest pursuant to Section 69 County Court Act (1984) at a rate of 8% per Annum from 29/02/2012 to 06/06/2017 of £5720.54 and thereafter at a daily rat of £2.98 to date of judgment or sooner payment. Date 06/06/2017 What is the value of the claim: £20,806.89 Has the claimant included section 69 interest: Yes Is the claim for: Credit Card When did you enter into agreement: December 2007 Who has issued the claim: Debt purchaser Were you aware the account had been assigned: Yes Have you been receiving statutory notices: Yearly Statement of Account from Link Financial Why did you cease payments: Made redundant at the time, debts spiralled out of control What was the date of your last payment? July/August 2011 Was there a dispute with the original creditor that remains unresolved: Yes, charges and PPI Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan: Yes, cancelled card immediately and started the process to sell my debt. What I need to do: Requested CCA from Link in 2012, no response but credited fee to my account. Request CPR 31.14 from Kearns. Respond to claim online mark "I intend to defend all of this claim" Unfortunately I find myself calling on your services once again. A couple of years ago I had a fight and lost against MKDP LLP -BC. It was far from the end of the world and without going into detail has all but gone away now. I have today received a claim out of the blue from Kearns acting for Link on an old MBNA Credit Card that was fast approaching SB (8 months) Like most posts regarding Link I received a statement of account once a year which I chose to ignore. In the early days they used aggressive telephone tactics but that didn't phase me and it soon became this yearly statement and nothing more, until today. As always your assistance with defending this claim would be much appreciated. OMH Kearns MBNA Claim.pdf

Hi all, I am new to this and I hope the good people out there can help me. I used to be in terrible debt problems in the second half of the 00's and beginning of the 10's - with many credit cards and unsecured loans. All of which I was paying large amounts of penalties and interest. This was with Lloyds, Natwest, Egg, Virgin and MBNA. A few weeks ago I received a letter from MBNA (relating to a Virgin credit card account) saying the when my credit card account was in arrears they should have sent me a notice of sums in arrears on 21st September 2009 but as a result of an error they didn't. Therefore they have refunded any interest and default fees that were added from the date and the date of this letter (9th Jan 2018). The total (to my amazement) was a £9k refund in the form of an attached cheque. I did not believe it until the cheque cleared which it now has. I have some questions: 1) Should MBNA pay me interest on top of this for keeping this money over the period of time. I think I am right in saying that if this was resolved in court then I would be due 8% straight interest on the refunded amounts. 2) How do I check if I am due refunds from Natwest, LLoyds, Egg? I did not receive anything regarding a sum of notice in arrears at the time as far as I am aware. - What criteria do they need to send the notices of sum in arrears? I have read on line that many of the top institutions failed to do this but could not get any real details. - Does this apply to credit cards and unsecured loans? - Can I do anything to chase this with them or is it a case of wait and see? I have found the odd article on this on line but am struggling to see if I have a case and if so what I need to do. I have rung Natwest and LLoyds and also went into the branch - but all useless and they had no information on NOSIA refunds or investigations. Anyway - it would be fantastic if anyone out there can help me on this. Many thanks and appreciation in advance Charles

Hi everyone, I've received my MBNA CCA from Link Financial. It all looks as it should to my untrained eye but can one of you more knowledgeable folk please give it a quick scan over? It came with 2 sets of terms and conditions attached to the back. One looks like it was of a similar age to the front page but is very clear and legible and the other set of terms and conditions look like they are the current ones with different APR's to the ones on my signed agreement. Look forward to your replies cca return.pdf

DX, or anyone, can you help with a wee quick question (or 2) please...? Thought I'd just use this old thread of mine, rather start a new thread - hope that is OK? My friend has been served with a Summary Cause (Scotland).. . I have sent a CCA request, on her behalf, and await the outcome. It is pre 2007, and by the looks of her credit file, the default date on her account was just a week or two OVER 5 years ago, from the date on the court paperwork - meaning, I think, it is already statute barred. She assures me she's not had any contact with them, nor made any payment in that time. So, it may be a clear cut case, based on the statute barred status of the account Am I correct in assuming that the statute barred period starts on the date of default of the debt? Also, the papers were simply posted thru her door, but state they were delivered to her in the presence of a signed witness. In other words, they didn't send by recorded delivery, and nor did they hand them to her in person. Does this not mean that they were served incorrectly? It is shoosmiths, acting for cabot, for a capital one debt. I think they are on a hiding to nothing, but I'm interested to know if, rather than going to the bother of defending, that I can simply write to them, on her behalf, stating they've both served the papers incorrectly, and that the debt is statute barred, and threaten to go to court to defend and seek all possible expenses... I've won 2 Ordinary cause actions roughly based on this method... Any quick advice please guys and gals?

I have been in writing to Drydensfairfax Solicitors back in March 2016. They are acting on behalf of their client Max Recovery Limited who purchased a debt. I had previously asked them for a credit agreement and copy of the deed of assignment. Back in March 2016, they wrote to me in reply. They provided me with a basic office copy of a credit agreement. They claimed that their client, Max Recovery, had provided them with a copy deed of assignment, and that they had attached this to the document for my perusal. Upon checking the documentation, this assignment was not present as stated in the covering letter. For the past year, I have had no response from Drydensfairfax. Today, I checked my credit agreement, and I am horrified that they have placed a default on my credit file on the 30th May 2017. Under section 87(1) Consumer Credit Act 1974, I have NOT been provided with a written default notice prior to this default being placed. Can anyone please advise me what to do next as I feel that the default is illegal!? The other concern is that Drydens should not have put the default in their name as the debt belongs to their client Max Recovery Limited. Am I correct in thinking Drydens have done this default incorrectly it should be their client!?

Hi everyone I hope I've posted this in the correct forum as I'm back again just looking for advise and general pointing in the right direction. I've received a letter (PDF attached) and presume at this stage all I can do is send a CCA request to Link? Do I send a SAR to Link and MBNA or just to MBNA as they were the original creditor? Regards Suss Link.pdf

Hi guys, I actually had a very quick reply from the FOS. Less than a month after I made a complaint I had the answer - not the one I wanted but the service was quick, professional and the guy was extremely easy to deal with. My complaint was re MBNA. I took out a credit card in 2006 - fell into arrears in 2009 - finally came to an agreement with them in 2010. I maintained the arrangement to pay and then they sold the debt to IDEM in 2012. Due to serious illness, I couldn't keep payments up with IDEM and now pay them 15 per month. Arrears are 9144 on 10310 balance. I wrote to MBNA to tell them I believed that they should have put a default on my file - they said no they didn't have to as our "relationship didn't break down." I disagree but the FOS agree with them. He quotes the ICO guidelines saying the customer relationship is paramount. He said MBNA treated me fairly, agreed on a reduced repayment plan (200 pm ) and therefore no need for default. I explained I believed IDEM cannot put default on the file as they are not an original creditor - is that correct as he was under the impression they could if I broke the terms. My credit file is a mess, it shows more than six months in arrears with AR even though I have kept to the AR I made with them. So can I do anything now? I don't have ten grand. I could increase payments but how long with the AR remain on my file? Also, could I ask them to accept payments of 200 pm now and capitalize the arrears - like a new loan? Do you think I could argue anything with the FOS. Obviously, if I had stopped payment in 2010 instead of trying to do the right thing, the debt would have fallen off my file.

I received a letter dated 5/12/17 from MBNA offering £924.03 minus £184.81 UK Withholding Tax. This was for a PPI undisclosed high commission complaint (PLEVIN) on a very old credit card on which they had refused a PPI repayment as they claimed it was not mid-sold. I am a 70-year old female Pensioner who had a mild stroke last week and do not understand these things, but also do not trust Banks. Is the UK Withholding Tax being paid directly by them to my HMRC 'account' ? Can they be trusted to do this. How can I check that the calculations given are correct? They are: £816.89 Amount of applicable commission and profit share £ 0.00 Total amount of fees refunded £137.20 Amount of historic interest £924.03 Applicable 8% gross interest* -£184.81 Less UK withholding tax* The payment is being paid directly into my Bank Account within 28 days. Any advice will be most helpful.

Name of the Claimant - Arrow Global Guernsey Limited Date of issue – 13th October 2017 What is the claim for – 1.The Claim is for the sum of £5984.20 in respect of monies owing by the defendant on a credit agreement held by the defendant with MBNA under account number XXXXX under which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3 The balance owed was assigned from MBNA to the claimant and the defendant has been notified by letter of the assignment by letter. What is the value of the claim? - £6494.20 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? probably around 1999 and originally with Alliance & Leicester. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. ARROWS Were you aware the account had been assigned – did you receive a Notice of Assignment? I may have done but don't remember for sure. Did you receive a Default Notice from the original creditor? Again possibly, but I don't remember clearly. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year went through a period at a different address and also had a lot of unopened mail...so as before, I can only say these may have been received. Why did you cease payments? The company I worked with at that time, went into Liquidation and my income was then drastically reduced and hence I could not keep up with the payments on my Cards and loan. The situation was impacted further, by a couple of heart attacks and another since. What was the date of your last payment? As far as I'm aware, not since around 2008. I had been making payments to some creditors in 2015, but I don't recall this being one of them. Was there a dispute with the original creditor that remains unresolved? No, I don't recall a dispute with the original creditor. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, first in 2007 to Alliance & Leicester..... this in respect to the specific debt detailed here and also other debts/loans on cards and a bank. This is something I arranged myself with each of them - first stopping all the substantial PPI premiums I was paying on each; requesting the interest to be frozen [agreed] and then paying a percentage of the usual monthly payments, pro rata the size of each debt. Assuming MBNA took the card over from A. & L. at some point, I don't recall having had any communication with them at all. This is a new CC claim I've received from Arrow Global, regarding an old MBNA/Alliance & Leicester credit card. The questionnaire completed below.....as had be requested in another thread I was being helped with. The "claim for" details provided are as written on the claim form. Thank you.

Hi all, I've now received a copy of my agreement /statement from Arrow after 10 months of CCA request arrow are going to contact a third party to manage the account (letter uploaded). IF Enforceable what could I expect next? With my other account Capital One I make a payment every month and not heard a thing Thanks for any advise

Hi, My partner has been paying off a nominal monthly amount to Link Financial since the card debt was sold to them by MBNA. Sent Link a CCA in June but have had no reply. Sent a SARN request to MBNA and had a reply with only the attached request form copy and a second page with the terms and conditions. From reading other posts I think that this is invalid and therefore unenforceable. Would one of you more experienced people be good enough to have a look at give me your opinion. It seems to refer to paragraphs that don't exist and there is no lending limit or interest rate shown. We have since (last week) written to Link re their failure to supply a valid CCA and await their response! What is our next move please? L CCA Request Load.pdf

I've been sorting through some old paperwork and have realised I had a Link MBNA debt that I defaulted on in 2008 for £8,000 ! Naturally this has long gone from my credit file, but Link still have my old address. Is there still a danger of a backdoor CCJ after this long? The last payment was made in 2008 so it is certainly statute barred. It's also a pre 2006 agreement. Should I ring Link Finance and give them my current address? or let sleeping dogs lie on this one. I'm about to buy a house and don't want someone knocking on my door with a charging order at some point in the future because I let a perfectly defendable CCJ happen.

I've recently entered into a DMP through payplan and have had no direct contact with my creditors. My offer was accepted but then sold onto Link Financial. If I believe the debt is unenforceable what steps do I need to take to prove this? Thanks, Trev

Hi, long time member, (but been away for a while so name changed a bit, hoping admin can sort old ID out soon) . A family member has received a nice green letter from Capquest concerning an old MBNA debt for approx £1400. There is an offer of discount of approx 75%. Now, family member has said that he doesnt recall last payment but must be well over 6 years by now. Ive advised that he should get his credit ref file ( I personally hate these organisations, but thats another battle) to see whats on there, just in case it shows anything up. My instinct is to sit on the letter, the only trouble is, hes living with partner at their parents house. should they do anything more than ive advised at this stage. They were going to sent a statute barred letter out, but we need to know for sure first, otherwise we could shoot ourselves in the foot. considering this nice offer, suggests to me that its a straw clutch and we can expect a couple more letters before we need to do anything further. thanks for any ideas, ( its kind of good to be back )

Well into first first few weeks of not paying my 4 lenders. Couple of sent dd forms bin. MBNA phones me and asked me to ring them deleted. Awaiting for official letter in response to my hardship letter no payment till December for a DMP to kick in. all debts are newer then 2007 except the MBNA as suggested I will wait the others to go to DCA before using any other CCA requests. using the template for MBNA is the address the one to use for sending this letter off to. The MBNA account was open 2006 and ive also read that most MBNA accounts pre 2007 are pretty much unenforceable. I owse 42k, MBNA is 6k. Be a small win in a big pool but a starts a start eh. Customer Advocates Office MBNA Limited Chester Business Park Wrexham Road Chester CH4 9FB Thanks Russ

Hello. At the moment i have five credit cards totaling £7500. most are balance transfer cards and some are coming to the end of the offer. oldest card is about 3 years. (MBNA) i am finding it difficult to keep up payments (not currently working) with the cards and usually end up robbing peter to pay paul. i have a disposable income of £80 a month and at the moment card payments total £110 which will rise after christmas due to interest being added on mbna card MBNA i owe £4000. currently pay £45. i also have another mbna card with a 0 balance what i would like help with is, would i be better off using my other mbna card to clear the other £3500 debt and just then deal with mbna? instead of multiple agencies. ? don't want to fall behind with payments but i dont know what else i can do thank you

The facts are as follows: 1) I owe MBNA some £10k that has not been paid since November 2016 (so recent) and I imagine is about to default. Its a combination of balance transfers from cards that were used to fund my foreign studies. 2) Until now my parents have been transferring money to my bank account which I then forward to them as minimum payment. This is not sustainable for any of us and I am just barely paying the 28% interest. 3) I have lived abroad for a long time, but kept my UK accounts as they were useful but the situation has become critical. I did not inform any institution that I was abroad, and in any case, students are a special category in terms of continuing NHS care when studying abroad. I am currently in Eastern Europe but about to move to Hong Kong for work. 4) I have no assets of any kind, not even a TV in my parents bedroom, some old toys, about it. 5) I don't intend to return to the UK for a long time but I may live in the EU with my Italian girlfriend. I want to know what steps MBNA will take to recover this debt. The most important for me is that my parents are not harassed for my own decisions because I do not live at home or in the UK. I intend to deregister myself from the electoral roll/council tax list, I just have not had a chance to do so but I'll head home before departing to HK to take care of such procedural matters. I would be happy to close any other accounts and in any case they are not in use and will not be in use. I intend to inform them of my HK forwarding address, I believe that would be my legal obligation in any case, I presume this might also limit the visits that could potentially disturb my parents. Regardless of the moral implications of giving up on paying this debt and starting a new life, I am only interested in the legal ones, and especially to mitigate any stress that my parents could be subject to in terms of home visits from a bailiff if/were a CCJ issued. I am not even sure if they can get one and how it could be enforced in another country. According to my research, it would be statute barred from the last payment or the date of a CCJ. During those six (or more) years I want to ensure my parents are not subject to home visits, phone calls etc. Presently they are being called twice a day, but they won't speak to my parents, asking for me. To be clear, I won't be hiding in the backroom, or down the road or in another UK town. What steps should I take to ringfence any potential earnings in HK? There is a PhD on the cards which would probably take place in Italy, and again the question would be the feasibility of pursuing this debt etc (ignoring the post-Brexit scenario).

Hi, have just found this thread whilst trying to respond to claim forms to PRA group. I am hoping that someone can help. I received a claim form dated 19th December from PRA group for a historical debt with MBNA. I just logged on to the moneyclaim sort this out and am baffled. I had a historical debt and was making regular payments, I hadn't intentionally defaulted from these payments. However PRA group have stated that my payments stopped in June 2016 as the company (experto credite) passed the debt on to PRA group. However looking at the court documents it appears that PRA group had the debt since Dec 2014 so I can't understand why the payments have defaulted. I emailed PRA group requesting a copy of all letters but haven't heard back. Is there anything that I can do? Should I defend the charges and interest charges or just make an offer of payment?

Hi Name of the Claimant ? PRA Group Ltd Date of issue – 03.04.17 Date of to acknowledge - 21.04.17 Date to File Defence - by 4pm 05.05.17 What is the claim for – 1.The claimant claims the sum of £5,000 for debt and interest. 2.On X/X/02 the defendant entered into an agreement with MBNA for a Credit Card under ref XXXX. 3.On X/X/09 the defendant defaulted on the agreement with an outstanding balance of £5000. 4. On X/X/13 the debt was assigned to Aktiv Kapital who itself assigned the debt to PRA Group on X/X/14. Notices of assignment were sent to the defendant in accordance with S136 Law of Property Act 1925. 5.Payments of £600 received up to X/X/14 AND THE CLAIMANT CLAIMS 1. The sum of £4800. 2. Stautory interest pursuant to Section 69 of the County Courts Act 1984 at a rate of 8% per annum from X/X/14 to X/X/17 1000 and thereafter at a daily rate of 1.05 until judgment or sooner payment. What is the value of the claim? £6300 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit card. When did you enter into the original agreement before or after 2007? Before. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim? PRA Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes, think so. Did you receive a Default Notice from the original creditor? Not sure but likely. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Yes probably. Why did you cease payments? Low income, family stress. What was the date of your last payment? Sometime in 2016. I set up a debt management plan to pay off debts, not successfully. Was there a dispute with the original creditor that remains unresolved? No. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?? Yes. ..... Having looked through the threads here I can see that I am not unique in this regard. I know this debt is enforceable if PRA has the original agreement though I don't know if they do have this or not. I also realise that I have until Friday to respond to the claim. Any help is much appreciated.

Morning, folks. I'm in a particularly odd and confusing situation so any assistance in clarifying where exactly I stand would be greatly appreciated. In 2010 I took out a credit card with Virgin Money. In 2012 I defaulted on this due to financial difficulty and depression. I do not remember receiving a default notice from Virgin Money. It's possible I received a default notice from MBNA, but I closed an account with them in 2006 (I have the letter) so would have discounted it. In January of 2017 I found out a CCJ was registered against me with Hillesden Securities as the claimant. I did not receive any correspondence prior to it being registered, as I was not living at the address the CCJ is registered at. As soon as I found out about the CCJ (through a mortgage adviser telling me!) I attempted to contact Hillesden. This led me to DLC, which led me to Cabot, which led me to Mortimer Clarke. I spoke to a representative of theirs on the phone, explained the situation and asked if the judgement could be set aside. They said no, and that the best I could do was satisfy the CCJ. After some digging online I sent an N244 to my local court and received a hearing date. Mortimer Clarke did not show, the judge decided they hadn't been very helpful, and duly set aside the judgement. Happy days. This was earlier this month. Today I found a letter sent from Mortimer Clarke 4 days before the hearing, with the claimant now being ME III Ltd. The letter states they agree to the setting aside but that a full defense should be submitted within 21 days. They attached a draft order, assuming that the judge would made this order. She didn't. What happens now? Given that the draft order was not formalised, I'm assuming I do not have to submit any further defense (which I already submitted in full as part of the N244). And what are Mortimer Clarke likely to do when they receive the actual order from the court? Many thanks

I have been looking here over past months after finding some old Credit card statements from MBNA going back to 2003 . .. i did as is always stated and sent a SAR and received all information back from MBNA right up to when i defaulted on the account and the debt was sold to a debt recovery company (different story ) now am i right in assuming i should fill in all the charges into the Compound Interest Calculator V101 ..... Once done do i then send this off to MBNA and is there a standard letter i need to send with it or anything else needed ??? It was pure chance finding the statements that prompted me and late in the day i know but worth a try im sure. Any suggestions and help would be much appreciated by this thicko.