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PRA - Judge & Priestley MBNA/virgin card pre 2007


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please can someone help/advise me regarding an old MBNA/virgin card taken out by my sister in 2003.



She had to take reduced hours and was unable to maintain payments with the account defaulting in 2011.



PRA have purchased the debt and have Judge & Priestley dealing with it.



When I've looked at the paperwork sent, an application form and terms and conditions (I've attached the documents sent).



I believe that the agreement does not contain the required prescribed terms and as it was actioned prior to the 2007 amendment

it is an improperly executed agreement and as such is unenforceable.


If I am correct what should the next correspondence with Judge & Priestley be

or if I am mistaken I will get my sister to complete the I&E form and return it in the hope of averting a ccj.


Many Thanks in advance for your help

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in the s78 reply they do not say it is reconstituted document. Given that it has some penned office markings and the odd comment I believe it must be the original document..But your sister has not signed it, making the application/ agreement irredeemably unenforceable!


It would be extremely helpful if your sister remembers the agreement and not signing the agreement and was very surprised when a credit card came through the door.


I am unsure if a virgin credit card would have Virgin on the T&c's but someone will be along soon with a more deatileed explanation of what has occurred here.


This is just my opinion.


Regards Jack

WON lloyds walked away after second hearing £10,000 2014


WON Mbna after 3rd hearing £5,000, 2014


WON Barclaycard 1st hearing £2015, 4,500

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cant be the right T&C's



it mentions £12 Penalty charges



the £12 limit did not come in till 2006



trying to trick you.




please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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