Carroll v. MBNA America Bank

J. JONES, Justice.

This is an appeal from the district court’s confirmation of, and entry of judgment upon, arbitration awards against Miriam Carroll and David Capps in favor of MBNA America Bank. We affirm.

I

Factual and Procedural Summary

In December 2004, Capps and Carroll each mailed a letter 1 to MBNA, alleging that there was an error in their most recently received billing statements. Capps disputed a debt of over $21,000 and Carroll disputed a debt of over $24,000. MBNA did not respond to the letters or to subsequent letters wherein Capps and Carroll claimed MBNA had improperly made…