Hi, I have got a loan through barclaycard, i recently sent them a letter asking for a copy of the original signed credit agreement. I received the credit agreement but it didnt have my signature on the front of it or any of the credit agreement they sent me. I sent them a complaint letter telling them it is unenforceable without a signature. Barclaycard told me they would reply to my complaint before 22nd dec but they havent. any ideas? am i doing the right thing? is it enforceable? any advice would be appreciated D R

hi thank you both for the advice. MBNA have just sent me a copy of the credit agreement i was going to see if i could scan it online but for some reason it wont let me scan it. It is for a loan I just wandered if anyone could help me on the credit agreement it has got the amount i took out the credit for along with the total amount payable. If then has how many payments i have got along with the apr rate. It then has a section on missing payments and then key information which includes how much you would have left to pay if you took out £1000 loan. If you paid it off at various intervals half way through etc. My loan was for more than £1000. It then has the relevant signatures. Can anyone confirm if anything is missing to make it unenforceable??

Hi Everyone, This is my first post on this website which I have been reviewing for a number of months but I needed some support and advice r.e an ongoing claim. On the 11th of June 08 I made a request to MBNA for a true copy of my original credit agreement. The letter which I sent said " I request a true copy of the signed credit agreement under the terms and conditions of section 77(1) and 78(1) of the CCA act 1974. I enclose the statutory maximum fee of £1.00" I kept the letter very straightforward would the above be a lawful request? I sent the item recorded delivery. On the 17th of July due to receiving no letter back from MBNA I sent a complaint to the FINANCIAL SERVICES OMBUDSMAN. They acknowledged my complaint and the FOS have sent a letter direct to the MBNA stating that they need the oppertunity to put things right enclosing a copy of my complaint. The letter was sent from the FOS to MBNA on the 24th of September 08. On the 30th of September 2008, I finally received an acknowledgement of my complaint stating that they will issue a response within 28 days signed by the vice president. I just wandered if i have followed the correct procedure and also if MBNA do provide a copy of the agreement now where do I stand? also does it add weight the FOS writing direct to the company? I would really appreciate any help as I dont usually complain about things. ***THIS IS FOR A LOAN WITH THEM*** Please can someone help me Regards Dave R

HI MATE, The payout was from dell my thread is reference help i need with my mbna problem on my main post Dave R

I didnt get a huge payout but i bought a laptop with dell. They gave me back 95 pounds and have reduced my finance payments by 5 pound a month. not a huge amount but a success at least!

Hi Everyone, This is my first post on this website which I have been reviewing for a number of months but I needed some support and advice r.e an ongoing claim. On the 11th of June 08 I made a request to MBNA for a true copy of my original credit agreement. The letter which I sent said " I request a true copy of the signed credit agreement under the terms and conditions of section 77(1) and 78(1) of the CCA act 1974. I enclose the statutory maximum fee of £1.00" I kept the letter very straightforward would the above be a lawful request? I sent the item recorded delivery. On the 17th of July due to receiving no letter back from MBNA I sent a complaint to the FINANCIAL SERVICES OMBUDSMAN. They acknowledged my complaint and the FOS have sent a letter direct to the MBNA stating that they need the oppertunity to put things right enclosing a copy of my complaint. The letter was sent from the FOS to MBNA on the 24th of September 08. On the 30th of September 2008, I finally received an acknowledgement of my complaint stating that they will issue a response within 28 days signed by the vice president. I just wandered if i have followed the correct procedure and also if MBNA do provide a copy of the agreement now where do I stand? also does it add weight the FOS writing direct to the company? I would really appreciate any help as I dont usually complain about things. ***THIS IS FOR A LOAN WITH THEM*** Regards Dave R