oooh yes I received their defense last Friday but havent had time to look at it properly yet (been on holiday this week) I havent reced the forms from the court though. I'd have thought they would be here by now. I will have a really good look this weekend at the defence and see what they say. Hows things with you MP?

Hows it going Makka? Have you filed your claim yet mate?

Guys I got mine back from MBNA - after threatening court action they agreed to pay up all charges within 6 years. Ive now files in court for all charges older than 6 years . Good luck to you with your claim and doont take no for an answer. Madge

Oooooooh I get it now - thanks for explaining it mate. So basically - MBNA have 28 days (as I have now recd their acknow and yes they are to defend (shock!!) to file their defence and once this is done I then complete the EQ. Hmmm will i get a copy of their defence then? I will definitely start looking at my AQ asap as well. Gish yes it is a bit exciting isnt it. I just dont know what MBNA are like in these sort of claims - i cant find much on here. Theres loads on barclays claims which is alsi really helpful mnd, it would just be useful to know the stance they take really. Need to dry clean my Red power suit to dazzle the judge when my day in court comes oooerrrr missus !!!!!

Wekk recd today copy of MBNA's acknowledgment saying they defending all of the claim. Time to start thinking about my next move me thinks

Well to update as yet folks. No word regarding the claim and MBNA have until this Wednesday.....

Oh my days, good luck Dude...keep us posted wont you? Is the AQ your court bundle then? My claim has been submitted and MBNA have until 25th to respond!! Madge

They have fobbed me off as well, with exactly the same letter. Mine was an old A&L loan and all Santandser have sent is the most current one. Im still pondering my next move Madge

Has anybody had any luck with obtaining records older than 6 years from Santander/A&L, Im really not sure what to do next. I could start Court Action to obtain this info, but with the situatio re Santander taking over, Im not sure if what they are telling me is true or not (I Know I know - I can almost hear you saying 'i cant beleive you just said that') I just dont want to waste time and mooney pursueing womething that isnt there. Oh gosh please help!! I know for a fact I had PPI on my old loans. Madge

Okay Houston - we have lift off. Finally, I have recd a 'notice of issue from the court (yesterday). MBNA now have until 25th July to reply......oooooh 13 days to go. Ill keep you all posted on this - get a bit of jelly belly when i think too hard about it but i know you guys will hold my hand if needed and Im sure i will. DOH! Ill be back my friends to update as and when luv y'all Madge

Hi Clare, No - nothing my end. Im just paying them £1.00 per month as promised. I will write again in a few months and repeat the whole process. Regards Madge

Oh my days, I am in despair of these monkeys. I posted my claim form off again and....they returned it stating no payment enclosed - Guess what...It was enclosed. Can you beleive how cr$p this service is? Now ive got to send it in yet again and canx both of the cheques i have previously sent - Gosh Im so angry with them. Maybe someone is trying warn me against all of this eh? Madge

Oooh yes i didnt think about that one - hee hee - every cloud eh? I really cant face doing it this week so Im going to get it all done next week and post it again.

OMG they have admitted that have lost it. How bad is that????? All they said was 'very sorry but you will have to send it again' arghhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhh

I did Dude, and it shows it was signed for on 9th May. grrrrrr - the chq hasnt been cashed either. I have, at last just managed to speak to someone so thanks for the number mate, I realy appreciate it They are scratching their heads over there as to what could have happened to my claim and are now looking into it as we speak so I just need to wait......again. So blumin frustrating, why cant people just do their jobs right these days. Thanks again Dude and i'll let you know what they say Madge

Ive heard not a bean since sending my claim off on 8th May - I sent it to the processing team at Salford but cannot for the life of me find a telephone number to contact them arghhhh - this is so frustrating. Can anyone help please Madge

Well ive been searching high and low for any kind of references and even resorted to asking my bank for old statements which they duly sent. This paid off and I have at least one ref number for the old A&L loan. Next question is - where the blinking heck do I go from here? I have already SAR'd Santander who only sent the very latest loan details. Should I write back to them 'with reference to my previous SAR request' and give them the account numbers now that i have them? Any advice is really appreciated Madge

Hi carled, Im in exactly the same boat as you with regards to old A&L loans and also have no paperwork or reference numbers. I did send an SAR to Santander but got nothing back im afraid. I hope you have more luck that i did. Im trying to find a reference number via old bank statements so im having to SAR our bank now - Im determined to cover every possibility with this - like you the loans were not small amounts so dont want to give up just yet. I think what makes it harder in these cases is the fact that santander took them over so the records are even harder to get hold of. im sure its just a case of CBA though 'cant be ar5ed').

OMg I just read my reply to your question - that didnt tell you anything did it lol. Ok I will answer it property now I did send the first cheque back with the refusal letter which caused me a bit of a problem. When they uppsed their offer, they only sent the cheque for the difference in the increased offer and the cheque so I had the hassel of phoning them to explain. They did send it again though. I decided to keep them both this time and just send an LBA. Hope that helps Madge

I certainly did.

Good luck Dude - I filed my N1 against MBNA a few days ago for charges older than 6 years. I'll be following your thread to see how you get on Madge

Hi Makka I decided to give MBNA time to reply b4 starting a claim - just to avoid the time and money really. Ive submitted my claim this week after they refused to pay my charges back further than 6 years. They agreed to pay from 2005 onwards after I sent a letter that someone advised me to do from here. I thinks its still on my thread if you need it at any time. the main thing is dont give up, especially as they offered a puny amount at first, then because of sending that letter from this forum, they offered a lot more. Although it still isnt enough, it just goes to show hoe wonderful this site if for its advice and guidance through these processes. I bet they offer you the same as me which was the difference between the actual charge and the 12.00, from 2006 plus interest. Madge

Will do Ims Thanks again Madge

Thanks Ims for replying so quickly. I am just compiling a response so first of all will ask the PPI dept to provide them in support of their decision. Im definately going to send the failed SAR now and ask them the big question. Brill idea. Thanks so very much for your response. Do you reckon I should have made a seperate complaint for the Credit Card charges? Madge

Hi folks I put a claim in for unfaor charges and also PPI that was charged to a credti card. The card was opened back in 1997 and no way did i ever need PPI. I made the complaint for both charges and PPI in the same letter and I have heard back today. Not good news I am afraid for a couple of reasons: 1) they have only referred to the PPI and have made no reference to the unfair charges at all in the letter. 2) they state that they referred to a) a recording of the sales call b) The demands and needs statement c) The CCA d) Copy of the advisors notes They have determined from all of this that the policy was suitable for me when i took out my credit card. When I sent off my SAR there was none of the above included in there (apart from the CCA). Hmmmm strange that they suddenly turn up when I make a complaint. I really need to get hold of this information so that i can pursue these dastardly cads. Can anyone advise what action I should take next. Thanks Madge