send letter by recorded delivery, stating, that the interst rate they have charged you for late payment in no way represents the true cost to the company (MBNA)late payment charges are set by OFT at £12.While this account is in dispute you cannot levy further charges. I will await your final response. When i receive this i will lodge a formal complaint with FOS and OFT.Further ask them to send you a CCA (credit card agreement) this must be returned to you by latest 12 days. Failure is a criminal offence under the Consumer Credit Act 1974. And as such you can take them to the small claims court. Charge them for your time e.g £20 per hour, writing letters, phone calls, reading legal matters etc which in any event is cheaper than a solictor at £220per hour.
Comment on Interest Rate Hikes for MBNA Customers by sandy 
Comment on Interest Rate Hikes for MBNA Customers by sandy 
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