CreditCards Blog

Hey all,

I recently wrote to my 3 credit card companies: MBNA, Virgin and Egg.

Egg have not yet wrote back to me - its been nearly 20 days so I am not sure how to proceed from there.

MBNA and Virgin have, and I received the credit card agreements yesterday - would anyone be able to look at them for me, to see if I can unenforce the agreement?

I dont mind paying someone to look at this for me - the MBNA agreement was an internet one and there is only tickboxes, no signature. However, the Virgin one, I can vaguely remember doing it - it was a Virgin Credit Card stall at Birmingham Airport and she seems to have ticked things I cannot even remember doing!

If someone could look at these for me, or tell me what to look for, then as I said, I dont mind paying someone a bit of money took look at them for me.

Many Thanks in advance!


Vijay x

Please check this posters other posts/threads before responding.

Oh errrrr, actually, I might be able to help......if you could just arrange for 300 to be forwarded to me. Please use Western Union.

Assuring you of my best attention.

Lol - I am that desperate I would!!

From Martin's own article.

Debt Problems: Where to start, what to do, where to get help (http://www.moneysavingexpert.com/loans/debt-help-plan)

Is your credit agreement challengeable?

Any credit agreement, for example credit cards, loans and catalogue agreements signed before 6 April 2007 has to adhere to a strict format set by the Consumer Credit Act. If this format is not followed you can challenge the enforceability of the agreement with your lender. Examples of errors include signatures and contact details missing from the paperwork and incorrect APR calculations.
Therefore if you are stuck in a high rate, unjust deal, you could consider challenging the agreement for legitimacy. A challenge could result in getting you a better deal, such as freezing or wiping off interest and charges or your lender accepting a full and final settlement' to pay off the loan.Further info: The Citizens Advice (http://www.citizensadvice.org.uk/index/getadvice.htm#txt_getadvice_header-Anchor-search) may be able to help you with this or http://images.moneysavingexpert.com/images/forum_images/icons/icon2.gif ConsumerActionGroup (http://www.consumeractiongroup.co.uk/forum/) has some useful information.

I know, I read that! It was a big help - but excuse me I am a bit thick!!

If I was to attach the credit agreements here, would anyone be able to have a look?