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MBNA Credit Agreements Received


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Hey all,


I recently wrote to my 3 credit card companies: MBNA, Virgin and Egg.


Egg have not yet wrote back to me - its been nearly 20 days so I am not sure how to proceed from there.


MBNA and Virgin have, and I received the credit card agreements yesterday - would anyone be able to look at them for me, to see if I can unenforce the agreement?


I dont mind paying someone to look at this for me - the MBNA agreement was an internet one and there is only tickboxes, no signature. However, the Virgin one, I can vaguely remember doing it - it was a Virgin Credit Card stall at Birmingham Airport and she seems to have ticked things I cannot even remember doing!


If someone could look at these for me, or tell me what to look for, then as I said, I dont mind paying someone a bit of money took look at them for me.


Many Thanks in advance!



Vijay x

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Do you have a scanner? Scan them up and someone in the know will be along soon :)

Never argue with an idiot, they'll bring you down to their level and beat you on experience ;)


Inca V Crapital One: Low monthly payments accepted - Paid

Inca V HSBC (Charges): WON - Charge reversed.

Inca V Barclaycard/CSL: Complaint sent after CSL illegally took money from my account. Dispute ready to send: Not heard anything since March 2009! Jan 2011 Rc'd letter from new debt collectors saying they have bought the debt. Joy!

Inca's Nan V Saga Card: Utter *****!! Low payments eventually accepted

Inca's Nan V MBNA: Low payments accepted

Inca's sister V Moorcroft: WON. Low payments accepted.

Inca's sister V Thames Credit: Nothing received. Dispute sent 08/01/09: Not heard a dicky bird since March 2009!




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There are people who would gladly take a look at them for you for free. However you will need to scan them and post them on here using something like photobucket.


Remember to blank out anything that could identify you first

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Right guys, think I have done it:


Covering Letter from MBNA

Edited by sea-sidelady
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I'm afraid both of these agreements would be enforceable. They both have a term with reference to credit limit, a term with reference to interest rate, a term with reference to repayment and your signature - the tick is accepted as an electronic signature. These are the required prescribed terms to enforce running credit agreements. You could send the original creditors SAR letters to find out if there are any charges that can be reclaimed.

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Is that right Pinky? Is the tick acceptable, without being backed up by a physical signature? I'm not disputing the fact, but it seems like a very insecure system as it stands.

Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON


Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.



I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

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