It all Started with a CCA Request........

onwards_and_upwards_4

Hi,

I am new to this forum and this is the start of my journey of CCA’s requests.


I have currently sent of CCA’s requests to the following companies (all are credit cards):

MBNA
EGG
CITI Group
Sygma


I would like some advice on the following please.

I have received my CA from MBNA, for a card that was issued by Thomas cook when I booked a holiday in 2005.

This CA was received 19 days after my request. I believe this puts MBNA in default for not replying within 12 + 2 working days?

I would really appreciate some feedback regarding the wording of their letter:

“Thank you for your recent request.

In accordance with section 78 of the CCA1974, we enclose a copy of the credit card agreement (original and current) including applicable terms and conditions, most recent statement of account and transaction history.

We appreciate the copy of the original agreement is not very clear but it is the best copy we can provide. For the avoidance of any doubt all of the necessary and prescribed terms are included in the credit agreement and in addition, you will find that these terms are also set out in the copy of the current credit agreement we also provided you with”

Enclosed is a really small poor copy (smaller than A5 of an agreement) on the back page is a copy of some text half the size again with a copy of a return address envelope next to it. Although the text on the back only covers (from what I can make out, ‘How we work out your interest and Charges’ It looks like the back page of a small pamphlet and says nothing about being the terms and conditions under the CCA1974.

They have also enclosed with the letter dated 23-02-09 a copy of a letter dated 20-02-09 (which I have never received before, stating that here is a copy of your current conditions – which is a 4 page print out. These seem to be a new set of terms and conditions which I have never received before.

I would really appreciate some advice on my options and next steps


I have attached a link below as I would value some advice as to whether people think that this is an enforceable agreement?
I would also be grateful for advice because I think it is not legible and therefore not an enforceable agreement.

Actual Size
http://i650.photobucket.com/albums/uu229/onwardsandupwards/MBNAEditedactualsize.jpg

Zoomed in
http://i650.photobucket.com/albums/uu229/onwardsandupwards/MBNAZoomedin.jpg

T&C’s ??

http://i650.photobucket.com/albums/uu229/onwardsandupwards/MBNATC.jpg


Many thanks

GeorgeUK

Not got time to answer right now, but one of the main points from the CCA06 amendments was that the copy must be clearly legible. This isn't. (bumping for others)