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Reclaiming MBNA charges but Link now have the account


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Afternoon everybody!


I had an MBNA card a few years back and I'm sure that most of the debt is made up of unlawful charges. I'm sending them a SAR asking for a history of transactions and charges as well as all the other documentation relating to my account.


Two years ago they got our very good friends Link Financial on the case, and I was making small payments until illness intervened and I discovered this site.


I've CCA'd and SAR'd Link. They've defaulted on the CCA and will have committed an offence by the weekend; and they've only partially complied with the SAR.


My question is (and forgive me if this has already been answered): if - sorry when ;) - I get my charges back from MBNA, will they pay me or automatically give the money to Link?


I'd rather not bother claiming than give that Carnival of Clowns any money.


Any advice greatly appreciated :)


  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Guest louis wu

Hi dave,


You will be better off posting this question in the CCA forum





My own personal feelings are that if the CCA has not been complied with, then the debt is unenforcable, so should be able to specify that the refund is in the form of a cheque payable to you. This is just my opinion based on common sense, so needs confirming.


You also need to get as much info on the CCA request, as its a huge topic that has many twist and turns.


Best of luck



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