My apologies, I omitted the word unenforceable and the message should read: Am I correct in believing that a Virgin (MBNA) application signed in March 2002 is unenforceable because of the following: clause 1.5 (B) refers to exceptions quoted as clauses 3.5 and 3.6, however, these clauses do not form part of the signed agreement. The heading is "Credit Agreement Regulated by the Consumer Credit Act 1974" i.e. it should read "Credit Card Agreement Regulated by the Consumer Credit Act 1974". Is the omission of the word "Card" important? Advice will be appreciated. Regards, JamesC

Am I correct in believing that a Virgin (MBNA) application signed in March 2002 because of the following: clause 1.5 (B) refers to exceptions quoted as clauses 3.5 and 3.6, however, these clauses do not form part of the signed agreement. The heading is "Credit Agreement Regulated by the Consumer Credit Act 1974" i.e. it should read "Credit Card Agreement Regulated by the Consumer Credit Act 1974". Is the omission of the word "Card" important? Advice will be appreciated. Regards, JamesC

Can anyone please advise if and how the unfair contract issue may apply to an impecably maintained credit card account opened in 2002 where interest rates have doubled over time and the cardholder is no longer able to afford the demanded monthly minimum payments? Comment will be appreciated.