Yeah, know that now would have been a few hundred quid better off, however it was befre I knew that this site existed. If it offers hope to people that MBNA can be beaten then good luck to them all.

Took MBNA to court via Conkers solicitors and had all £2900 wiped from the credit card. Card shut down but be aware if you have debt on your card and you claim back excessive charges etc they will only pay themselves, so still ended up shelling out solicitors costs.