Sounds as though im goosed then ?
I am loathe to accept that MBNA can sell a debt without first issuing a default notice.
(1)Service of a notice on the debtor or hirer in accordance with section 88 (a “default notice ”)
is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor or hirer of a regulated agreement,—
(a)to terminate the agreement, or
(b)to demand earlier payment of any sum, or
©to recover possession of any goods or land, or
(d)to treat any right conferred on the debtor or hirer by the agreement as terminated, rest