Thanks for your advice guys. Looking forward to seeing my cca. I am a homeowner with one year left on my mortgage before having to renew. I guess the sensible thing will be to find out where I stand with each creditor and wait until I have arranged a longer mortgage before starting a dispute. Is this the right thing to do?

Thanks for your advice guys. Looking forward to seeing my cca. I am a homeowner with one year left on my mortgage before having to renew. I guess the sensible thing will be to find out where I stand with each creditor and wait until I have arranged a longer mortgage before starting a dispute. Is this the right thing to do?

Hello, Not sure if this is in the right place so hopefully one of you helpful people might be able to redirect me. I have £5500 on an MBNA card at a whopping 35% apr. I may be dreaming but am very keen to find out if it is enforceable as I'll be the sole provider for my family when my wife gives birth and could do without the £150 minimum payment a month. They won't reduce their interest rate or do anything to aid me paying it back. I should note that I have never missed a payment. In their eyes I'm the perfect customer. I believe it was maybe six or seven years ago I signed up for a card at a service station on the m6. Hungry for overprized food and attacked by an eager sales gimp. I recorded a phone conversation requesting my credit agreement with them stating the date and a week or so later received their current terms and conditions. This morning I posted the following letter with a postal order for £1 based on this forum's woderful advice. Xxxxxxx Xxxxxx Xxxxx 05-03-2009 MBNA Europe Bank Ltd PO Box 1004 Chester Business Park Chester CH4 9WW Dear Sir/Madam ACCOUNT NUMBER: xxxxxxxxxxxxxx With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement. I am now making a formal request for the signed agreement as my initial request over the telephone dated and recorded on 20-02-09 achieved a copy of terms and conditions only. I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of my credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. I understand a copy of my credit agreement should be supplied within 12 working days. I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. I look forward to hearing from you. Yours faithfully Mr xxxxxxxxxxx I was wondering: 1) If the credit agreement turns out to look unenforceable what do I do next? 2) What do I do if the agreement doesn't turn up after 12 working days? 3) Is there any risk involved with challenging the agreement as unenforeable? 4) What possible outcomes am I looking at or how long will it take to rectify? Any help would be very very appreciated.

Hello, Not sure if this is in the right place so hopefully one of you helpful people might be able to redirect me. I have £5500 on an MBNA card at a whopping 35% apr. I may be dreaming but am very keen to find out if it is enforceable as I'll be the sole provider for my family when my wife gives birth and could do without the £150 minimum payment a month. They won't reduce their interest rate or do anything to aid me paying it back. I should note that I have never missed a payment. In their eyes I'm the perfect customer. I believe it was maybe six or seven years ago I signed up for a card at a service station on the m6. Hungry for overprized food and attacked by an eager sales gimp. I recorded a phone conversation requesting my credit agreement with them stating the date and a week or so later received their current terms and conditions. This morning I posted the following letter with a postal order for £1 based on this forum's woderful advice. Xxxxxxx Xxxxxx Xxxxx 05-03-2009 MBNA Europe Bank Ltd PO Box 1004 Chester Business Park Chester CH4 9WW Dear Sir/Madam ACCOUNT NUMBER: xxxxxxxxxxxxxx With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement. I am now making a formal request for the signed agreement as my initial request over the telephone dated and recorded on 20-02-09 achieved a copy of terms and conditions only. I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of my credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. I understand a copy of my credit agreement should be supplied within 12 working days. I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. I look forward to hearing from you. Yours faithfully Mr xxxxxxxxxxx I was wondering: 1) If the credit agreement turns out to look unenforceable what do I do next? 2) What do I do if the agreement doesn't turn up after 12 working days? 3) Is there any risk involved with challenging the agreement as unenforeable? Any help would be very very appreciated.

Hello all, I'm new here and desperately need advise if you have a minute. I have a few credit cards but the one I'm struggling with is my MBNA card. How do I go about finding out if the aggreement is enforceable and talk me through it and what that actually means. I have 5500 on the card which started at two where I signed a form at a service station and naively let the interest mount to its present state. I currently pay £150 p/m minimum payment. Please please help!!!!!