Nice to see they offer Visa & Mastercard as payment options:eek:. Did I read somewhere this is against guidelines / rules?

Bump (Please)

Am thinking of sending this to the DCA who supplied the document: - "Further to your letter dated 9th January 2008, I have received a document in response to my CCA request. However, I do not believe it meets the necessary legal requirement of a true credit card agreement for a number of reasons, and as such the document is unenforceable I look forward to hearing your response on this matter, and hope to hear from you within 14 days unless you consider this matter closed I don't think I should give them any more info, do you

Thanks all who have commented. I received it as a 'back to back' A4 page, & noticed the fold. The 2 pages are of equal length but look to be a microfiche print out, and it is an application form as well. I hadn't seen the date code discrepancy! Are the prescribed terms all there, as I can only see 2 references to credit limit: - From section 8 - Principal Cardholders Request and Declaration: "I understand that MBNA reserve the right to issue a gold or standard card which will have a lower credit limit" From the Financial & Related Conditions, section 1: - "We will from time to time choose the credit limit & notify you of this" I can only see these from the high res scan, as the copy seems to have been reduced in size (again why I think microfiche print out, along with the black side bars) There is no mention of late payment charges, unless they are in the MBNA Terms and Conditions, which are referenced in the statement "I have received a copy of and agree to be bound by the MBNA Credit Card Terms & Conditions" I got the document from the DCA dealing with it, who took quite a bit longer than the 12+2 day limit, and they haven't called me (yet!). I think I will send a leter saying the copy is almost unreadable, and I think that it doesn't seem to contain the prescribed terms. Or has anyone any better ideas? Thanx S

Thought that might happen - re-posted here http://i633.photobucket.com/albums/uu58/sofasobad/EggCardBlue0001Large.jpg http://i633.photobucket.com/albums/uu58/sofasobad/EggCardBlue0002Large.jpg http://i633.photobucket.com/albums/uu58/sofasobad/EggCard1Large.jpg http://i633.photobucket.com/albums/uu58/sofasobad/EggCard10001Large.jpg Are they any better?

As a newbie - just started my thread http://www.consumeractiongroup.co.uk/forum/mbna/184206-mbna-cca-received-any.html Cheers S

hi all Great forum - been lurking for ages, but would be grateful if someone could cast their eyes over these egg cca's I've received - any comments appreciated Thanks S http://i633.photobucket.com/albums/uu58/sofasobad/EggCardBlue0001Small.jpg http://i633.photobucket.com/albums/uu58/sofasobad/EggCardBlue0002Small.jpg http://i633.photobucket.com/albums/uu58/sofasobad/EggCard1Small.jpg http://i633.photobucket.com/albums/uu58/sofasobad/EggCard10001Small.jpg

Hi there Been lurking & following the great advice on here - can anyone shed any info as to the enforceability or otherwise of this Thanks & best regards SFSB MBNA.PDF

Interesting - this is my first post, been lurking for ages, but did you notice this entry for Capone: - All Proposals to: Capital One Bank (Europe) PLC at The Insolvency Exchange, PO Box 9765, Harlow, CM20 9DL Old Address: PO Box 5282, Nottingham, NG2 3YH Mind you - British Gas listed as Insolvency Department, PO Box 94, Hyde, Cheshire, SK14 3FE