Hi Lee, MBNA missed the 40 days with me too. I must spend more time on here. They are buying time I think.

Thanks Paintball. I sent a letter to MBNA yesterday giving them until Sat. morning (tomorrow) to get the requested info. to me. I took the trouble to send all documents by recorded next day delivery, so MBNA will have had it by noon today. I will take up complaint as you suggest on Monday morning. Thanks again. There is power in numbers......what a great site this......and I'll be donating some of my refunded monies from MBNA to this site.8-)

On Jan. 22nd I wrote to MBNA and asked for my list of charges etc. as entitled to under the Data Protection Act using the Libary letter from this site. Today, exactly 39 days later, they have returned my £10 postal order to me with a new application form for the data request. They have sent me a letter telling me: ''Our view is therefore that the charges that you agreed to are valid,fair and enforceable. Term 3b of your credit agreement with us clearly states that you must pay £25 each time a payment has not reached your accounts within one day of your payment due date, or when you exceed your credit limit, or a cheque is returned unpaid. You may know that the Office of Fair Trading has recently issued guidelines for the level of credit card default charges. MBNA disagrees with the OFT's interpretation of the law and continues to maintain that the default charges ti £12 with effect from 28 June for late payments, and 28th July for overlimit fees. With the above in mind and in order to end matters in this case, I have credited your account with a payment of £416.00. .................As requested we have enclosed details of your statement information. On this occasion, we have provided the information to you free of charge, as we have not treated your request as full data subject access request. Shouls this information not be sufficient, and you wish to take a full data subject access request request under section of the Data Protection Act 1998, please complete and return the attached form. ...... '' That letter was from the CUSTOMER ADVOCATE MANAGER. They ignored my full data request; returned my £10 postal order; expect me to start another request, effectively delaying my claim (THEY HOPE!!!) by another 40 days. It took them 39 days to respond to me. I can proceed to the next step now? Advice please folks.

Bookworm and MUPSTER, thank you both. On Jan. 22nd I wrote to MBNA and asked for my list of charges etc. as entitled to under the Data Protection Act using the Libary letter from this site. Today, exactly 39 days later, they have returned my £10 postal order to me with a new application form for the data request. They have sent me a letter telling me: ''Our view is therefore that the charges that you agreed to are valid,fair and enforceable. Term 3b of your credit agreement with us clearly states that you must pay £25 each time a payment has not reached your accounts within one day of your payment due date, or when you exceed your credit limit, or a cheque is returned unpaid. You may know that the Office of Fair Trading has recently issued guidelines for the level of credit card default charges. MBNA disagrees with the OFT's interpretation of the law and continues to maintain that the default charges ti £12 with effect from 28 June for late payments, and 28th July for overlimit fees. With the above in mind and in order to end matters in this case, I have credited your account with a payment of £416.00. .................As requested we have enclosed details of your statement information. On this occasion, we have provided the information to you free of charge, as we have not treated your request as full data subject access request. Shouls this information not be sufficient, and you wish to take a full data subject access request request under section of the Data Protection Act 1998, please complete and return the attached form. ...... '' That letter was from the CUSTOMER ADVOCATE MANAGER. They ignored my full data request; returned my £10 postal order; expect me to start another request, effectively delaying my claim (THEY HOPE!!!) by another 40 days. It took them 39 days to respond to me. I can proceed to the next step now? Advice please folks.

Oh dear!! Yes.....I confused matters. Sorry. Think this is a spread sheet job. Perhaps Mr. Browne can work it out for you?

Hiya ALFITW, 8% is £320.52p (How I work it out.......well 10% of £4,006-65 is £400.67 a fifth of that figure will be 2% and deduct the 2% froim the 10% to get 8%. divide£400-67 by 5 ...equals £80.52. £400-67 less £80-52 equals £320-55.) Good luck!!!

Hi, Many months ago I put up some connections and info on a betting site for private members [edited: no link to commercial sites, please] and all the members there are g;lad I did. Many have had their charges refunded.

I agree.........sue them. They are quick enough to charge us...now they can be quick and refund us. This group is great....and I'm out for revenge too.....and ....my money refunded