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Hi all, been a while since I've been on the site but its still as informative as ever!


A friend of mine has been issued with a claim form from the above beautiful people for an outstanding (MBNA) debt.

I've done a CPR 31.14 and they've (verbally) informed me they won't be able to comply before the Acknowledgement of Service is due.


Against my advice he went to a Claims company for the PPI reclaim but there are a lot of late charge/over limit fees which may or may not have been reclaimed, no one seems willing to affirm or deny this.

Would it be acceptable to admit only part of the claim on the grounds it's possible these could still be reclaimed?

Or is it more likely the claims company would have got these back as well and even if they didn't he would be deemed to

have accepted a final offer by accepting what was offered?


Many thanks



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