Alledged MBNA Debt, now passed to Link. I'm out of the country, and was in discussions with MBNA regards a short settlement when they defaulted it, and I'd asked them to put the account in dispute until they provided a breakdown of charges v interest v late payments v "actual cost to them" I sent a SAR and CCA request, and they never responded to the CCA but cashed both cheques, and sent me a whole load of stuff in response to SAR. I think the CCA signature is faked. (Ever since I can remember, my signature leans to the right, but this one leans to the left) Can someone please review and advise if this is a valid and enforceable CCA? http://imgfreehost.com/out.php?i28728_Page1.jpg http://imgfreehost.com/out.php?i28729_Page2.jpg (I can't believe they'd fake a signature on a invalid CCA), but I am 99.9% sure I never signed anything, and am equally sure that is not my signature. Has anyone else experienced similar faked signatures? And what is recommended next steps? (remembering I am out of country, and am unlikely to return. Not at all bothered about CCJs, etc.) Also, how enforceable is a debt outside the UK, if I am living in Ireland. I don't want Irish credit history affected, surely UK law (CCA etc) is un-enforceable outside the UK. I also don't believe Link would have bought the debt if they knew I was out of the country. Thanks, Yours confused.