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Is my online Virgin MBNA CCA enforceable?


pmf1977
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Hello

 

the CCA MBNA sent me is here - www.paulflint.co.uk/mbnacca.jpg

I am trying to find out if it is enforceable.

It was an online application.

The credit limit isn't stated, does this matter?

Details of how to cancel, it states details will be sent to me is this okay?

The interest rate appears to be the APR.

 

Do any of these make the CCA unenforceable or are there any other things that will?

 

thankyou in advance for your time and help.

 

I have read so many forums and I can't quite relate everything to my agreement.

Edited by pmf1977
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Have you had a look here ?

 

http://consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/609-mbna-agreementsapplication-forms

 

Also, Have a look at these links which may help you decide on the enforceabilty of the paperwork (courtesy of 42man & steven4064) -

 

 

Is My Agreement Enforceable - Useful

Consumer Credit Agreements

 

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thanks for the reply

I have read through pages and pages of forums but am still unsure.

My main concerns are:

 

1. 'my right to cancel' the details for this are in a seperate box to the title.

 

2. I have read that the APR is NOT the actual interest rate charged.

 

3. I cannot see how the illustration they give calculates correctly with the apr and other interest rates given.

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thanks for the reply

I have read through pages and pages of forums but am still unsure.

My main concerns are:

 

1. 'my right to cancel' the details for this are in a seperate box to the title.

 

2. I have read that the APR is NOT the actual interest rate charged.

 

3. I cannot see how the illustration they give calculates correctly with the apr and other interest rates given.

 

 

Hi Pmf

 

Firstly you have left your reference number on this, i would advise you remove your details and repost it.

 

Just one things when did you take the card out.

 

 

Gaz

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