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MBNA Subject Access Request


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Hello all,


Okay I am in need of sound advice, I currently have 2 MBNA Credit Cards, since March I have had non stop phone calls from them, after several written complaints they have stopped to just about 1 per week, the problem I have now however is that they are demanding money from me that I simply do not have. I have made them offers as per the Consumer Credit Counsels Advice however they have refused this offer stating they cannot accept anything under their operating laws which take more than 70 months to clear. I have been offered an early settlement with them to write off 70% of the debt. How can I request a copy of the SAR, and what is a CA? I dont understand all this.

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Hi there,


To request your Credit Agreements ( or CA ) you will need to send letter 8 from the template library - The Consumer Forums - Debt collectors


This will cost a fee of £1.00 for each agreement request. Use a postal order to pay for this, print your name and do not sign the letter. Post by at least Recorded Delivery service to


MBNA Europe Bank Ltd,

Stansfield House,

Chester Business Park,





For a Subject Access Request, you will need to use letter 11 from the above link.

A Subject Access Request costs £10.00 and send as above.


The time limits for MBNA to respond to your requests -


Credit Agreement request is 12 plus 2 working days.


Subject Access Request is 40 plus 2 calendar days.


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Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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