I am pretty sure that the 'event' driven debt collection method used by MBNA / Reston's solicitors is illegal. My understanding is once the Bank give Reston's the go ahead to harass you for money one of the many tools they use to upset you so much that you pay them whatever they ask for is to monitor evry financial transaction you make.
.
By linking into real time credit referance agency systems they can tell what money you took out from which cash point instantly. They can tell what transaction you did for example at supermarkets, petrol stations , online . They can tell what bills you p