just found it it was from feb02 to may03 and the 98 refund they previously made was on 5/6/03 for 32.21, 32.20, 34.12. no interest was refunded.

ill go through it all later when ive sorted the kids out for bed and write it up tonight what i paid when and scan their ltr up re:refund of it.

not complete, only a few missing 2006 onwards but got the statements from when ppi and charges were added 2002-2006.

fletch thank you for your advice and ive got all the paperwork out to give the full story, i thought it was easier to abbreviate it but clearly not, i had 5 dcas i needed advice with at the time of writing on the other forum so tried to get them all there quickly so sorry if the posts dont read the same. ive spent a few hrs reading through it. i took out the credit card with AOL by MBNA july 2002 online, and gave a credit limit of 5000 (not asked for) as like many had this used it and paid it til 2004 when i gave birth to my son who is disabled, i was self employed before i gave birth so had no income, statutory maternity pay at DWP didnt pay me as they messed my claim up until jan 2006 so had no money at all, my mum gave me money to pay my mortgage and food and insurances then the rest i didnt pay thats when the trouble started, i also was in and out of hospital with my son and as that was more important i dealt with that. MBNA were placing 25 late payment charge and 25 over limit charge on the account every month total charges applied to the account are £1150.00, feb 2006 MBNA agreed to freeze interest and pay 57 per month if i paid 391 that day, which was all the money i had at the time, i did it as was scared, new mum, poorly baby etc i paid this 57 from 2006 feb til jan 2014. in oct 2012 they sold the debt to moorgate and then morrgate rang asking to pay them, i said no i dont owe them anything i owe mbna and will pay mbna. ive continued to pay mbna throughout. from jan 2014 til march 2014 ive paid 17 per month as have been in hospital myself, so has my son and im still off work due to my illness and meds. i am really struggling with money and health, came across the websites with the CCA requests and looked deeper into it, as i have to rest, im sat at the computer reading up on all the info bla bla. also i did issue a SAR to MBNA in jan 2012 where they only provided the statements (no CCA no notes no tel calls etc only just realised that) i did submit a ppi claim in feb 2012 where they refunded 279 and stated they previously refunded 98.90 for ppi - dont know exact details of this. i also issued a charges reclaim for the 1150.00 which they replied saying only one entry for 25.00 is within the 6 years so refunded that. i complained to FOS who agreed with MBNA so left it at the time. but looking on another site like this one if the request is made within the 6 years of knowing refunds have to go from the start of the account under the limitations act which i only come across last night. how i am really kicking myself now as to why i didnt follow it through at the time. i was following the moneyman letters. i think ive covered the whole story there.

you stated my comments are rude, you have just copied the one comment i made about the surname for whatever reason and what this has to do with anything i really dont know, but you can clearly see there is no rudeness about the comment i made so your confrontation and accusations towards me are unfounded and without reason. you have used your precious time to search posts on other forums to insult me on here, again unfounded and without reason. im glad you have the time of day to be conducting this search of yours, unlike me and others who have better things to do with our time. with your comments about the other forum, that is your opinion and as we are all entitled to our own opinions, mine is definately different to yours and their process has worked for me as ive stated before already i have had 2 accounts completely removed from my credit files, so proof is there for me, and as you seem to have so much free time, why not take a look at the success stories thread within the forum or do a simple search on marshall who has won a court case against a dca for costs. i feel your victimising me for no reason at all which takes away the point of my original question. im not posting here to be insulted, nor questioned over posts in a completely different forum, im here in this forum with one question thats it, so please treat me as such.

firstly, i had outstanding issues with moorgate and moorcroft and simply mixed the names up as they are similar, when i realised the mistake i changed the posts to say moorgate not moorcroft which is a simple mistake to make. the story on there is the whole story, on here i shortened the story as i just needed advice as regards to the claiming back from moorgate nothing else, and didnt see the point in starting a whole new thread which would raise several different issues when i only need help with the one issue. secondly, ive made no racial or rude comments about the surname ng, if you cared to read the whole thread you will see that several people from several companies have had their letters signed by the name 'ng' which would raise questions on who this person is which is what was done so asking who 'ng' is isnt a rude question to ask , so no comments of mine are rude as no comments were made !!!!!!!!!!! yes the balance is 367 and did pay £17 for the last few months as ive been in hospital ill, my sons been ill, im on medication, and all of this really doesnt change the initial question, as ive said i tried to shorten the story as id be here all afternoon writing it if i said the whole story. so before you start your accusations, make sure you get your facts right first, im merely asking for advice like everyone else.

i have never recd anything other than requests to pay them directly which i refused as my obligation was with mbna. ive done a lot of research and cannot find what road to go on with these or where to look for advice on it hence this post. estop - i know where i am with that. selling of debt doesnt wipe debt i agree but using our own rights within the law and regulations can do, i have sucessfully had 2 dca and oc completely remove 2 unlawful accounts from my cra, so it does work. thanks

yes and they change the credit files from credit card to loan aswell !!!! but have no agreements to back it up, thats why i want to go down this road as ive sorted everything else out more or less but this mbna always makes me grit my teeth because of what they did, giving 5000 for a start then bla bla bla for the last 14 years, etc hence me getting advice on how to make them accountable for their wrongful actions because ive more than paid for mine 10 times over in the last 14 years

its MOORGATE NOT MOORCROFT i keep getting them mixed up. moorgate is britannica and have said they have bought the debt from mbna so they own the debt, and moorgate are on my credit reports

both moorgate and mbna have had 3 requests for this info. mbna have not replied to any letters and moorgate have said they are dealing with it as a complaint and requested info from mbna, but if they bought the debt they should be in receipt of the cca .

it is the 3 ltr process as used on here requesting the cca 12+2, same request worded slightly different but all section 78 requests. ive sent a notice to estop giving 30 days to repond which im 25 days into, so they will receive a cease and desist ltr on day 30. my question is as i had paid mbna from oct 2012 til march 2014 on a debt they sold to morrgate in oct 2012, can i claim these payments back as mbna passed the money to morrgate, where in effect should of returned the money to me as it was a closed and settled account as moorgate bought it from them. this is the route im thinking and am asking for advice on this. thanks

hi i had an mbna cc from 2001, sold to moorgate 2012, there was an arrangement on it to pay 57.00 per month from 2008 as balance was well over 5000. i paid mbna all this time, i didnt know moorgate purchased the debt and they rang and wrote saying to change my standing order to them, i refused saying ive no agreement with you bla bla. they then wrote saying my account would be paid late as mbna takes 2 weeks to give them the money, i again said not my problem my agreement is with mbna not you. ive since (apr 14) found Removed website read up etc and stopped all payments and sent the letters requesting CCA agreement etc ive also sent mbna letters requesting the accounting of the account as it was sold to morrgate. MBNA have not written back at all. moorgate are treating as complaint but are in tact agreement and nearly at estoppel in 5 days time. i am wanting to claim the money back paid since it was sold, as its all unfair, i bet ive paid in the region of 20,000 for a credit card they gave me when i was 20 with a limit of 5000, stupidly i did use it as a twenty year old who wouldnt, but its been a hold on me all my life and to me they shouldnt of gave the high limit in the first place being a first credit card, second mbna have recd money on an account that they sold so is this right, and please could someone point me in the direction i need to go to start this claim against them. oh and moorgate havent provided any info requested so all this will be my defence.