CONTACTS 
0201 - Maryland Bank                        800 441 9977
020101 - Ms. Natalie Kubala; Customer Assistant =800 421 2100
020102 - Customer Satisfaction Department =800 421 2110

SUBJECTS
MBNA CDW Fails Honor RMA Defective HP Notebook Computer
MBNA Mishandled Check #2565

0704 -    ..
0705 - Summary/Objective
0706 -
070601 - Follow up ref SDS 48 0000, ref SDS 47 0000.
070602 -
070603 - Received ref DRT 1 0001 dated 001221 from Natalie Kubala in the MBNA
070604 - Customer Satisfaction Department, supplementing the letter received on
070605 - 001215 from MBNA, ref DRP 7 0001, and prepared by from Michele Ownsby,
070606 - also, in the Customer Satisfaction Department at MBNA. ref SDS 48 0001
070607 -
070608 - Natalie's letter says in part....
070609 -
070610 -      This is in reference to your recent letter notifying us that the
070611 -      charge from CDW Computer Center for $4,449.60 is incorrect.  We
070612 -      sent you a letter on September 27, 2000; informing you that we
070613 -      could not assist you with this dispute because you had not
070614 -      returned the merchandise.  We also noted that if your account had
070615 -      already been credited, it would be rebilled, which was done on
070616 -      your September statement.  We consider this dispute resolved and
070617 -      request that all of your future correspondence be with our
070618 -      customer assistance.  Their number is 800 634 2927.
070619 -
070620 - As shown in the record on 001215, the following letters have been
070621 - submitted to MBNA and are still pending response....
070622 -        ..
070623 -    1.  Letter, ref DIP 5 0001, on 000919 notified that MBNA
070624 -        failure to follow customer instructions not to charge Welch for
070625 -        false claim by CDW, has caused damage to Welch. ref SDS 25 0001
070626 -
070627 -        Later on 001206 MBNA reported improper charge was corrected.
070628 -        ref SDS 46 UJ6M
070629 -
070630 -    2.  Letter on 000920, ref DIP 4 0001, submitted check 2565 for
070631 -        $21K. ref SDS 26 6U5G
070632 -
070633 -    3.  Letter, ref DIP 1 0001, submitted to MBNA on 001118.
070634 -        ref SDS 42 0001, confirmed instructions from MBNA for Welch not
070635 -        to make any further payments to MBNA pending resolution of
070636 -        disputes.
070637 -
070638 -    4.  Letter on 001130 that submitted payment in the amount of $100,
070639 -        ref DIP 2 0001, per Kelly's request. ref SDS 45 4Q5O
070640 -
070641 -    5.  Letter on 001206, ref DIP 3 0001, responding to MBNA's offer to
070642 -        settle disputes. ref SDS 46 NH5R
070643 - ..
070644 - Therefore, as with Michele's letter on 001205, Natalie's letter
070645 - today is defective in failing to specify which letter from the
070646 - customer is being responded by MBNA in its letter dated 001221,
070647 - received today.
070648 -
070649 - The letter on 001118 mentions the CDW as a pending issue. ref DIP 1
070650 - YY6G
070651 -
070652 - The most recent letter that discussed the CDW matter in detail was
070653 - submitted to CDW on 000919, ref SDS 0 ZJ4N,
070654 -
070655 - Subsequently, on 001206 MBNA reported it reversed the improper charge
070656 - by CDW and credited the Welch account $4,400. ref SDS 46 UJ6M
070657 -
070658 - As a result, the purpose of MBNA letter dated 001221, ref DRT 1 0001,
070659 - and received today, is not clear, since it conflicts with the report
070660 - on 001206.
070661 -
070662 -     [On 010131 responded to call from MBNA. ref SDS 49 0001
070663 -
070664 -
070665 -
070666 -
070667 -
070668 -
0707 -
0708 -