After over 1 year in court with MBNA I have decided to drop a case - where the only agreement they can produce is a 'true construction' - this is because of recent rulings that mean county court judges will on the balance of probabilities believe whatever is shown to them as an agreement that would have been sent. If you dont read what is on this link and campaign hard to your MP - there will be a shock for anyone who thinks no agreement means unenforceable. https://sites.google.com/site/mbnacomments/