Thanks citizenB I'll post a copy of the document MBNA sent me with identifiers removed. They have sent me an application form (without the referenced terms and conditions) and a copy of what they say are the latest terms. So, failure to provide: 1. Referenced terms and conditions 2. Tcs and cs variations during the life of the card I'm sure they never sent me the tcs and cs referenced in the application form (I have my papers filed). Anyhow, will post the application form when I can get access to a scanner.

No, there is no date by the zero balance. I guess I should just sit and wait now?

News this morning re one of the 3 cards, the one still with MBNA:. MBNA have replied to my CCA request with a copy agreement dated 1997 and a covering letter showing zero balance. Does that mean they have just assigned the debt to someone else or does it mean they've written it off? The account still shows as being with MBNA on Noddle and experian and I've heard nothing about an assignment. I'm very confused.

No, I wasn't always advised of rate increases. I remember having exasperated calls with MBNA when they upped the rates without telling me (though they of course said they had)

I've just sent out account in dispute letters for each of the 3 accounts. Will also SAR them.

I've just sent out an account in dispute letter. I will also SAR them.

This is really strange. I've now checked noddle as well as experian and this credit card does not appear on either. I've lived at the same address for well over a decade so I don't think it can be an address issue. Also, it's not 6 years since I last made payment; it's a couple of years. Any idea why/how it can be that it's not recorded? Any significance to this? Thanks.

Thanks Daniella. I'll wait and see then.

Thanks. I will go ahead and SAR MBNA.

Hi and thanks. Slick - I have most but not all statements. Maybe I should SAR then. Daniella - I last made payment in January 2012. I did have a Morgan Stanley card so maybe it became a Barclaycard. Does that make a difference? Thanks again.

Hi Dx, Card 1 (now with Link) - last payment to MBNA in January 2012, at least a few years since any outward transaction Card 2 (now with Link) - last payment to MBNA in Janusry 2011, at least a few years since any outward transaction Card 3 (still with MBNA) - last payment to MBNA in June 2012, at least a few years since any outward transaction I am horrified to see that thousands of pounds of interest were accruing on each card each year, even without the cards being used. I also see that interest was added after the default date. Is that legitimate? I was, and am seriously ill and at times totally unable to manage my affairs. I had no idea the balances were escalating as I now see they were.

Thanks again. It's really strange that it doesn't appear on experian.

Many thanks Dx. The default was probably only in. 2012 (I can't see it on credit file to check that). The agreement was almost certainly pre 2007 but not certain in this. They are already out of time as regards compliance with CCA request so guess I will need to send non compliance letter. Thanked again.

Thanks again. Like Mr Harrison I have good records and they didn't send me the proper agreements. I am a homeowner. I have no other assets or investments.

I would add that I feel MBNA Have treated me badly. As I became ill and struggled to manage my affairs, they kept increasing the interest rates on my cards until the rates became extortionate in my view. I wasn't even using the cards.