I have recently received my CCA from MBNA and was looking to see if anyone could help to see if it is enforceable? I think it is but would like a second opinion if possible. Only thing different is that i've vlank my personal details from the top of page 1. Thank you finished_DOC.pdf

Happenin all, Just looking through your thread, pretty new to this so bare with me. I am also about to take on Virgin (MBNA) through unenforceability, try too anyway. Virgin sent me my credit agreement about 10 days after i sent a CCA. No signsature, no assigned interest as it states it varies, but im not 100% on what grounds to unenforce the debt. Have you lot used a template letter at this point? Capricorn how do i navigate to your thread? Would be good to get on board with people at similar stages. Cheers everyone, nice work