Hello JJ here from Galway Ireland, After a few months struggle i was refunded 120 euro today by MBNA.
The way I managed this was to tell MBNA if I did not receive my money I would stop using their card...I paid off my balance with a Credit Union Loan..I told them they were the ones loosing out because of this Crook.
It worked! I got no satisfaction at the beginning, but the minute MBNA realised they were going to loose a good customer...No problem..
They went after him...It is the CREDIT CARD BANKS that have the power to frighten these crooks.
But as long as you have a balance on your card and keep using it, it is not in their interest to reduce your balance. Why would they? They come up with all kinds of excuses like not being allowed to stop him taking money, no good changing a card, excuses, excuses, excuses...But the instant they realise your not going to use your card until it is sorted out...BINGO!