Yes the debt was transferred in 2005

Hi, Can anyone give me some advice. I sent a SAR to MBNA it came back with the no PPI box ticked. There are lots of Late fees £25 and Over Limit Fees £25 amounting in total to around £600. There is also Special Cash Interest (I have been told this is an interest charged when gambling) is that the case and are any or all of these charges reclaimable and is there a calculator to work out the interest. Thanks