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Advice Please - MBNA/Virgin CCA

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I wonder if someone can look at this. I recently sent off a CCA request for my Virgin credit card and I got this back along with a copy of my current terms and conditions.

 

On the back of this copy is a bar code and my credit limit and reference number.

 

Can someone advise if it is enforceable or not. Thanks.

 

 

mbnacca0001.jpg

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Guest Old_andrew2018

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When did you apply for it?

I can see it has the applicable APR. You also state that the credit limit is on the back (you need to post up a copy for people to validate), however all the prescribed terms seem to be there. And to me it looks like it is an enforceable agreement BUT please wait for a second opinion. Do not take my word as read as I am still learning the ropes.

 

The only discrepancy I can see is in 3b 'Details of other service charges are set out in Section 4' - but there is no section 4 listed. Best to post up the back of the document see if it ties in.

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Thanks for your replies.

 

As requested, I have copied page 2 of the agreement. I checked the MBNA agreements on the forum and I can only find one that is similar to it although the bar code on it is on the first page and not on the back like mine.

 

virginpage20001.jpg

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