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MBNA debt and likely future

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I've recently not been able to make the interest payments on my cc - due to personal circumstances (unforseen and largely unavoidable).


I'd like to see if MBNA have a copy of the orignal loan agreement (it will be pre-2004). At the moment all I've had (for missing one payment) is a formal letter stating that if I default they will take action.


Should I ask for a *copy* of the original loan agreement, or ask for the original? Or should I phrase this some other *legal* way?



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Hi welcome to CAG,


You need to make a request under sections 7/78 of the Consumer Credit Act 1974 to get a copy of the agreement, there is a template in the CAG library you can use.

There is a statutory fee of £1.00 (use cheque or Postal Order marked for statutory only on the face and reverse) address it to the Compliance Dept. at MBNA, they have 12+2 working days to comply.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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