Hello, please can someone help/advise me regarding an old MBNA/virgin card taken out by my sister in 2003. She had to take reduced hours and was unable to maintain payments with the account defaulting in 2011. PRA have purchased the debt and have Judge & Priestley dealing with it. When I've looked at the paperwork sent, an application form and terms and conditions (I've attached the documents sent). I believe that the agreement does not contain the required prescribed terms and as it was actioned prior to the 2007 amendment it is an improperly executed agreement and as such is unenforceable. If I am correct what should the next correspondence with Judge & Priestley be or if I am mistaken I will get my sister to complete the I&E form and return it in the hope of averting a ccj. Many Thanks in advance for your help