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do i need to S.A.R bank of scotland?

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:confused: mbna took over my bos card,i requested my credit agreement,and mbna sent me my bos application form which contains no terms and conditions or apr.....i sent my s.a.r. to mbna which was signed for the 11th June,do I now need to S.A.R bos to see how much unlawful interest and charges were added by them? I have read somewhere on this amazing site that if the agreement is unenforceable the creditors had no right to add any interest or charges,is this right?thanks for your help xx

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