im just dealing with MBNA... like mac says send for you CCA....depends how long your wife has had the account is debatable if they have one. Dont think they have mine and that was an old abbey card. Keep us updated and good luck

Thanks i will sleep better now.....

opssss SORRY silly me what was i thinking...:o

considerate, nurturing, tactful, sincere. understanding,

Are you sure....I have found them to be polite mostly even when i was asked to change my avatar....

Having to bite your lip at times....when you really want to tell people what you think...

compassion and understanding......to treat everyone as a individual and not just a number.

what about a good sence of humour....and not to take things too personal.....

Nice people skills.....(think some need to go back to school for this)

hi i didnt do a ppi claim from studio but did claim all my admin fees back. check all your statments as they really like messing them up i got the same set 4 times. sent a prelim letter studio made an offer sent a very nice reply back and ehoh they paid you ...easy. good luck

Dont know if this helps,i am just going to start a payment plan with mbna , i have sent a cca to which they have said they dont need to send one ?????? I am also claiming all my charges back with ci as well...but in the meen time had a settlement letter of 3k on a 7.3 k debt, i think because they cant supply the cca as i requested.

my charges are about 900 with ci it goes up to 1500....just to give you a guide..

your letter is the same as mine...no cca yet..... just very snotty letters and one where they are will to knock off £4k of debt as a settlement figure....ermmmmmmm i think i smell a rat... well we shall still wait and see what happens....

Well, here goes. got all my charges listed by mbna to the grand total of £900 with ci this comes to £1500. i have also asked for a copy of my cca which they have failed to supply and said they dont need to.... have sent me copies for the t&c for a mbna card....but my card was a abbey one to start with before mbna took them over.... wish me luck. anabel

ohhhh can anyone join this party.....im up for manchester if im allowed....