Sorry to be so ignorant, but if I do a SAR do I just send it to the MBNA address on the statement she receives as that is the only address I can find for them. The address I have is: Card Services, Thyme Street, Bolton, BL11 1AZ

Hi silverfox Thanks for your reply. After looking into this a bit more it would appear that she originally took this card out with Alliance & Leicester, but it was subsequently passed to MBNA when they got taken over by Santander. She is sure that the interest rate at the time was no more than 20% APR but it seems that since MBNA have taken it over the rate has now risen to 2.5292% per month which if I have worked it out correctly is about 36%APR.....Could they have increased the interest without ever informing her as she has no record of them doing so? Also...if she has been paying the minimum every month why would they increase the interest rate and especially to this amount which seems far too high. Should I get her to ask for a SAR from MBNA to find out the exact state of affairs as she does not even know if she is paying for PPI which would be of no benefit to her whatsoever. Sorry to sound like a numpty, but I am a bit lost myself. I have told her to stop paying them anything until I find out a bit more information. Is this wise? She has not used the card since 2005 as she did cut it up at the time!! Thankyou for your help.

Have I asked for advice in the wrong forum or am I being impatient in hoping for suggestions?

Hello Forum I apologise in advance if this is answered somewhere else but I cannot find it. My ex-wife had a credit card with MBNA and amassed debts of £4700 on it. This was 7 years ago and I have only found out today that she is still paying this debt off. She is paying the minimum monthly payment which would appear to be mainly interest therefore she is never managing to reduce the amount. Today for instance her latest statement stands as follows: Balance from Previous Statement: £3411.06 Payment Received: £120.41 Cr Interest Charged: £89.02 New Balance: £3379.67 Estimated Interest Next Statement: £77.31 I have no idea as to how to work out just how much interest is being charged but to me it seems that she is never going to be able to pay this off and as she is now a pensioner, I envisage her getting more and more depressed over this. I would appreciate any advice you may be able to offer in how to perhaps approach MBNA to see if things could be improved.