I will get some paper work together when I can get the use of a scanner and post them up here.
Very quickly, I had a MBNA card from 1997, which after getting into difficulty in 2009 I stopped paying, and havent paid anything since.
Debt was sold to Aktiv Kapital/Experto and after doing CCA/SAR requests I have had quite large discounts offered.
They went quiet some time ago, but recently I've been contacted by Buchanan Clark and Wells.
CCA before didn't contain prescribed terms, but BCW have sent me copy of application form plus some terms supposedly from when I took out
the card, w