MBNA CCA Looks enforceable, but is it?

[efisio]

Hi everybody,

This is my first post so please excuse me if I am going over old ground. Ihave read tons of threads on here and am stuck in a minefield.

I am currently battleing three large c.c debts. Skycard, Nationwide and MBNA. I have sent CCA requests to all, and have had back Skycard and MBNA, Nationwide are currently a few days in default.

 

I want to concentrate on MBNA's Agreement. I have a hunch that all isn't right, but I am not really seeing what.

 

Firstly I was approached by a rep outside a football ground on the evening of 8/3/06. She asked would I be interested in a credit card, to which I repied in the positive. She completed what I thought was an application form, which I signed.

 

A few days later I received a phone call from mbna, going over my application, and was told there and then that my applicaion was successful.

 

Today I have received a copy of the credit agreement, which appears to be a double sided photocopy of the original application.

 

The first thing I notice is that someone (presumebly from mbna) has wrote there name in the top left hand corner. There is then a date printed 15-03-06. I'm not sure what this eludes to.

 

Then there is a bold heading..... CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974, followed by the lenders name and address.

 

Then we have, please complete in full in block capitals, your name and address.

 

Below this is 1. key financial information 2. other financial information 3. key information. All the details within those sections appear to comply with the CC act.

 

I have signed in a box, and dated underneath outside the box.

On the bottom of the page it says in bold lettering....

PLEASE PUT YOUR FULL NAME AND ADDRESS IN THE BOX ABOVE BEFORE COMPLETING THE APPLICATION FORM OVERLEAF. This bit I find a little strange, considering this is suppose to be the actual agreement.

 

The reverse of this paper asks for my employment details.

There is a section marked ACKNOWLEDGEMENT DETAILS

Date of Application

I UNDERSTAND THAT THIS IS AN APPLICATION FOR A CREDIT CARD

I AM 18 YEARS OF AGE OR OVER

I HAVE BEEN MADE AWARE OF THE INTREST RATES, REPAYMENT DETAILS AND OTHER CHARGES APPLICABLE, ESPECIALLY THE TYPICAL APR.

All of which I have initialed.

 

Near the bottom it states, If your application for this credit card is approved we will transfer all or part of the balance requested subject to your credit limit.

Then finally there is a section for reps use only, where it just asks for the reps name (not signature) and the type of i.d. shown by me.

 

I am sorry this is so long. Could somebody please give their opinion.

[bladeboy]

You need to scan it, cover up your personal details, and then link it to this forum.

 

Photobucket is a good site to use.