UPDATE: Because I did not use my MBNA credit card that they issued in 2 years, they have now taken it away from me. Obviously they simply don't like honest and competent people who know how to manage their finances.

I read VELOXUK's response ... remember the basics - if you don't get it in writing, then you will not stand a chance in court. If they don't like writing, it is for two reasons, (1) they are lazy and cannot be bothered, (2) it means that they will have to get it right first time.

SANTANDER is Spanish for "professionalconartistsineurope" and I wish them everything that they wish me.

SHARK!