I have been reading your thread with great interest, I to have had all this aggro with MBNA and Experto. I had a letter from Experto who now own the alleged debt informing me they had been using an internal account number I may not have recognised and their legal team would like to inform me they will now use my MBNA card number, I checked my DN from MBNA and found they(MBNA) had used the wrong account/agreement number on the DN, dont know if this changes the legality of it but im sure it must.My alleged agreement is also an application form with T&C's photocopied onto the back, what makes it laughable is there is a diagram on the application side showing how to fold the form for posting, there is no way you could mail it back as the reverse is just a mass of T&C's. Here is a link to my thread which has more details and has scans of the application form. http://www.consumeractiongroup.co.uk/forum/showthread.php?292925-MBNA-Experto-say-this-agreement-is-enforceable

I had a letter from Experto saying they had bought the account,their letter was dated the day before the default due date from MBNA so it must have been sold at least a few days before that, also I'm sure the default notice was flawed.

Ok here are the links https://dl.dropbox.com/u/7595043/mbna%20application.jpg https://dl.dropbox.com/u/7595043/mbna%20application%20reverse.jpg

subbing

subbing

subbing

subbing

Subbing

subbing

subbing

subbing

subbing

Subbing

Subbing

Experto have sent me some documents after they have had my account in dispute since 2009, they say this satisfies CCA74 S78 and my account is now enforceable but on closer looking at the application form something doesn’t seem right. It’s a three column document and I'm 100% sure the reverse of the form never had any terms and conditions but blurb about the benefits of the card. Also the diagram on the left hand side column shows how to fold the form for posting, now maybe I'm thick but if the original application had all the terms and conditions on the reverse as the have sent, there would be no room for an address to post back to them. When MBNA issued my default notice the actually sold the account on to experto before the date they had given me to rectify my breach, and the agreement number on the default notice was not the same as the agreement number they had always quoted on all other correspondence. I will post application forms as soon as i have reached my posting criteria (20 posts)