DCA admit no signed credit agreement

rayday2

I am sorry I have no idea, from what I have read on here MBNA are not the nicest of credit firms to upset my gut instinct would be unless you are pretty sure they cannot produce one I wouldn't upset them. But that is purely going on the bad deal quite a few people have had.

National debthelpline are pretty good with answering questions like that and there advice is repeated on here loads so why not give them a ring see what they say?

rog2

izzybusy23 wrote: »

Can somebody please answer this (it got lost in all the bickering) because I would like to know the answer to this!!!

It should NOT give MBNA the right to demand full and immediate payment. In fact Credit Card Companies are among the worst offenders when it comes to cca's - they rarely are able to provide one, and will often try to use a copy of the application form, which is NOT a cca, instead.
You are entitled to ask for a copy of the original signed cca and if MBNA are unable to provide you with one, within the legal time-frame, then the agreement becomes irideemably unenforceable.