Thanks again citizenb. Could you please provide the Priority One thread link. Many thanks. I have made an appointment on Monday to visit the local rep at Barclays Bank in my town centre. They told me to take the reconstituted agreement that I was sent to see if it's legal. I can also ask them to fone Barclaycard whilst I am there to find out if they do have a CCA on file as I wasn't sent what I asked for. With regards to my other card MBNA, they failed within 12 days to provide the said agreement under section 78. I need to ask the CAB what to do with regards to MBNA failing to comply at all. Thanks for the help!!

Thank you citizenb. I took the card as an internet application and was never sent a copy after application was made. If the fos is NOT the body to complain to, can you please tell me who. All Barclaycard have sent me is just a copy of their terms and conditions (no name, etc), and a reconstituted copy of my agreement (again my name and signature is not present on this copy). Its very stressful at the moment so every little helps.

Because Barclaycard failed under section 78 to provide me with a true signed executed copy of my agreement, I decided to telephone and make a complaint to the Financial Ombudsman Service. They told me it was not good enough that all Barclaycard could send me was a reconstituted copy of my agreement which had no name, address, date of birth, etc etc. If the Financial Ombudsman Service cannot get Barclaycard to comply, where do I legally stand? This is very confusing time for me and stressing me out, and I am struggling to make repayments each month. Any help please thank you.

I am going into the Citizens Advice Bureau on Monday to seek help on the matter. I was always told that no signed agreement debt is not valid, so will go there for help and advice. I currently have £3,700 on this card and pay £80 a month. No interest on it until February as it had a long interest free period. I have also asked [EDIT] to look at another credit card with the Halifax I took out in 2006, to see if this is unenforceable. I have £2000 on this card.

I wrote to Barclaycard in October this year requesting under 78 for a true signed copy my credit agreement. What they provided was not what I asked for. They sent me a reconstituted agreement which failed to have my name address, signature, etc etc. Then they sent me a copy of terms and conditions, again with no name, address, signature, etc etc. Is this legal and does it mean the debt is invalid without a true signed executed agreement?? Any advice please on what to do next. Thanks!!

Thank you but I don't think I had PPI I check my statements as and when they come in and cant see anything. My monthly payment gets taken via direct debit so is always paid on time. I did however get a cheeky letter from MBNA moaning about me paying the minimum payment each month!! What a bloody cheek!!

I was told by Consumer Direct about the initial 12 day rule. I will be going into CAB if after I sent MBNA their nasty letter!! I have always been told that if no signed agreement how can the debt be enforced!!?? Also is the same with Barclaycard all they have given me is a reconstituted agreement which has no name or signature!!

I wrote a letter to MBNA asking for a true signed copy of my CCA on the 24th October 2011. No response they ignored the request. Today, I sent them another letter this time putting the account in dispute under a section 10 , as they have failed to respond for the CCA. If MBNA still fail to respond within 30 days of giving me a CCA, what is the next step please? I have £1700 on the card, but I pay £40 minimum payment each month.

I wrote to MBNA on the 24th October 2011 wanting a true signed executed copy of my agreement under section 78 of the consumer credit act. It has now been some 12 days since I requested this and MBNA have failed to comply. I have had no communication from them at all. I sent them today a letter saying that because they have failed to produce this valid agreement under section 78, I have placed the account under section 10 default notice, to dispute the agreement. I have £1700 on the card to date. If they still don't comply within 30 days to send me the agreement, what can I do then please?? Thanks!!