Thanks alot for the help guys, and Geoerge i fully understand that this site cant give direct instructions to go ahead and carry something out, jesus everyone would do it and then hold the site responsible for them getting into trouble!!! Like you say, i just puy the info up on here to see what peoples opinions of it were and to see if anyone could help....and you have..

I fully agree

If you sent away for it recently and its just over the 12 days, im not sure how it works with it being the time of year it is, but if its well over due then the chances are they havent got a signed aggreement off you as most catalogues dont - mine didnt. They are, by law, to reply to you with the info you requested within the 12 days and if they havnt they musnt have what you want off them! Some one will be along soon to direct you into the next stage im sure, i dont know if the next stage is to put account into dispute or not

What request did you send to them?

I waited about 10 days for my response from MBNA

So im knackered then! How can a tick do for a signature though? I understand that anyone could pretend to be me and sign a form, but surely a ticks a little different?

Yeah the link worked fine cheers. God, if you dont understand it what chance do i have?!

Thanks again Scott, but that might aswell of been in morse code!! Im still no wiser, but god loves a trier

Thanks for the replies people. The card was applied for online in 2006, and im 99% i never received a credit agreement through post to sign and return. Surely an electronic tick in a box is not enforceable, i thought it had to be a signed agreement p.s i will scan documents in asap. Thanks again and happy new year everybody

Hello everybody, hope you all had a good christmas. Ive been reading through this forum for a couple of weeks now.. ...it makes for very interesting reading. Right, a friend of mine recently applied for his signed credit agreement from credit card company, didnt receive one and so is now not going to pay back the debt! He advised me that i should send away to MBNA for a copy of my signed credit agreement, which i did after using the template letter off this forum. I received the reply yesterday from MBNA and showed it to formentioned friend and he says hes never seen a reply like it. it is a 12 page document containing some sort of credit agreement without signatures but with computer generated ticks in boxes, both where my signature should be and that of a Mr Hugh Chater on behalf on MBNA, a page stating "please find enclosed a copy of your current terms and conditions", and a couple of photocopies of previous statements enclosed also. Am i right in thinking that by law as requested a copy of my SIGNED credit agreement should have been sent out in the first instance , and that as i have not received this then they do not have one? Im not fully aware of the way this sort of thing works, its all new to me!! Any help would be greatly appreciated, and i commend anyone who has read through this. Happy new year to all!