They think they're a bank...
MBNA: You filled in our form incorrectly
Me: What did I get wrong?
MBNA: I can't tell you that. I suggest you download the form again, print it out, fill it in and post it off to us.
Me: I think I'm using the wrong bank
MBNA: I can see it's frustrating, The only thing I can suggest is that you download the form again-
Me: No, let's just close the account