MBNA-wrong surname on CCA

[wellingtonlane]

I have been having problems with two of my A & L accounts,MBNA.

 

I am in arrears,and sent off both CCA requests and having heard nothing back,sent letters explaining the Bank was in default.

 

I have now received a Default Notice from them for the arrears,and a few days later they've sent a copy of the agreement !

 

I haven't had a chance to look at the compliance side for legality,but the document clearly mis-spells my surname,and starts it with a M instead of N.I do remember walking around for a couple of years with a card with the wrong name on it,until finally the bank replaced it,after lots of asking.

 

Is this likely to be relevant,or should I focus on the "four corners" instead.

 

Agreement is from 2003,and has credit limits,and rolling Apr's not a set one?

Thanks all,

[wellingtonlane]

Actually when I say agreement it is printed " credit card application form from Alliance & Leicester" on the top,and the next line is "credit agreement regulated by the consumer credit act 1974"

 

Only one signature (mine) on the front or back,and no terms and conditions on the doc itself-more recent version with 12 pound penalties included in the pack.

 

Any help folks ?

[the_shadow]

I'm afraid unless its clearly a different name i.e. Smith instead of Clark I think the courts would dismiss it as a small error "de minimis" I believe is the term.

 

Prescribed terms is the key, can you scan and edit any personal stuff out and then post up a copy of the doc they say is your agreement.

 

S.

[wellingtonlane]

Thanks Shadow,

 

Will try to do that,and keep you posted.

Thanks WL