I took out a Virgin Money/MBNA credit card in 2005 to take advantage of their 0% balance transfer offer. To cut a long story short, Virgin steadily upped the credit limit over the following three years, in late 2008 I wrote a credit card cheque for several thousand pounds to pay for a home extension. The global economy crashed the following week and I found myself without employment, my wife petitioned for divorce, I became homeless etc etc with, amongst other things, a credit card balance of over £13k After years of being grindingly poor I am now starting to regain and exert some control over my affairs. I recently used a CMC to establish whether or not I had PPI claims on any of my old accounts and MBNA came back "positive". I will NOT be using the CMC to reclaim. My MBNA account is one of only a couple for which I still have paperwork, including all but two statements. Unfortunately, the statements make no reference to PPI whatsoever, only interest and late payment charges. The original tear-off signature slip is obviously missing - the remaining part of the page shows two "SIGN HERE" arrows pointing to the missing slip, one for the account, and one for PPI. I cannot imagine I would have voluntarily requested PPI, as I never knowingly have. Also, for the last 20 years I have worked as a company director providing architectural services on temporary assignments - i.e. I am not eligible for PPI protection. The only reference I can find anywhere to PPI is an insurance booklet issued with the original pack, which states that PPI is charged at £0.72 per £100 of the monthly statement balance. The statement figures bear no apparent relationship to these figures however. In summary: 1)MBNA appear to have acknowledged that I have a PPI product. 2)I have no idea how much PPI was charged or when, as the statements do not show it. Do I: 1)Make a complaint to MBNA, take the cheque and then query their (possibly "interpretative") calculations? 2)Start from scratch with a CCA and SAR (bearing in mind the account was opened 11 years ago...)? Confused! I'm also going after them for charges, 6 year limitation notwithstanding - nothing ventured etc... Thanks in advance!

Hi there, I have received a Claim Form for a debt i believe to be Statute Barred. The Claimant is Arrow Global Guernsey Limited and they are being represented by a Solicitors firm. In the Particulars the Contract date is 12.07.2008 whilst the assignment date to claimant is 20.12.2011. I am pretty certain that there has been no payment from 2008 onwards and any previous payments were initially made from a company account where the company has now been dissolved. The company used my credit to obtain a credit card. The debt has never appeared on my Credit File (requested from Credit Expert) and still does not appear recently. I have older reports saved that show this has never appeared. I have submitted a statue barred defence and requested information on the account. They have now sent me the transactions list - the total debt is circa £14k including the court fees and solicitor fees. The last payment was made on 1 April 2010 so it is within the 6 years, however, I am adamant that I have not paid this or the previous payments - I had no idea of the amount on the bill, I have no recollection of the actual debt. They have never directly pursued me for this debt in last 6 years. Having looked through the list of transactions and payments just under £6k is a "Finance Charge" or "Bank Charge". Any ideas or recommendation would be grateful thanks