:Dthanks for your support all of you, will not ease just yet brw and good luck tonka99.

well mbna have stuck to their proposal and have sent me the cheque. will be banking it tomorrow morning. now i intend to get the account closed under the cca non compliance and get them to write the debt of.

i have written to ge capital 5 times giving 7 days to respond to the missing documentation and i have not even had an acknowledgement let alone a proper reply. i am going to issue a court claim under the data protection act.

thanks to you all for your comments, good luck to anybody who claims from citi. guess what! ppi against them now ????? ;)

i wont be accepting anything unless it is in writing and i have cheque in my possesion. thanks for your help.

recieved phone call from mbna today and it looks like a settlement may be within reach.

i have to send my court bundles off to cap1 and court. i will be using the misrepresentation act, supply of goods and services act etc and the stuff from the unfair terms and financial lending codes of practice . anything else i should put in?

modified the other poc and have sent n1 to court. on this claim i have claimed ci so it will be interesting to see what rbs will do.

i agree brw, with the defence they are relying on that i had agreed to ppi and i did not cancel within the allocated 30 days cooling of period and that is basically their case. in other words they are saying i should have read and understood all the terms and conditions. i have a new court date now set for 28th July 2008

hre are the poc for my claim PARTICULARS OF CLAIM 1. The Claimant had a credit agreement credit card acc no 54********** ("the Agreement") with the Defendant which was opened on or around 25/11/2004. 2. At the time of completing an application on or about 05/12/2004, the Defendant misled the Claimant into procuring Payment Protection Insurance ("the Insurance") as part of the overall credit bargain. 3. The Claimant contends that: a) The Claimant did not request the insurance when the online application was processed but that the Payment Protection Policy was pre-selected by the Defendant; i) The Insurance imposed upon the Claimant were neither defined nor explained and were not "optional" as laid out in the said agreement. ii) The Insurance was mis-sold, as the Claimant was self employed at the time and thus the circumstances invalidate the cover should the Claimant have ever needed to Claim. b) The Claimant contends that the Defendant fraudulently passed incorrect details to the insurer to obtain these same Insurances from the insurer. The Claimant believes this grossly contravenes ordinary principles of fair dealing. The Claimant contends that that Insurers are under an obligation to ensure the policy they are selling is appropriate to that customer and contends the Defendant has not fulfilled this requirement. The Claimant believes this grossly contravenes ordinary principles of fair dealing. The Claimant also contends that the Defendant never once attempted to ascertain the Claimants’ position to assess whether such as product was suitable. If any assessment had taken place it should have been considered wholly unnecessary and unworthwhile. c) If the Court finds that incorrect details were not passed as a result of fraudulent behaviour then the Claimant contends that incorrect details were passed to the insurer through the Defendants’ mistake as to facts. d) The Claimant further contends that if the Insurance was applied correctly, that the Agreement was not executed in accordance with the Consumer Credit Act 1974; i) As the Insurance was in fact a charge for credit on the Conditional Sale Agreement, it could not also be part of the credit on the additional insurances agreement as under section 9 (4) CCA credit charges cannot be treated as credit even where time is given for their payments ii) If the Insurance was not a charge for credit in respect of the Conditional Sale Agreement, as it was compulsory, it was a charge for credit on the additional insurances and under section 9 (4) CCA credit charges cannot be treated as credit iii) For the reasons stated in either (i) or (ii) above, the agreement for additional insurances failed to state the correct amount of credit and did not comply with paragraph 2, schedule 6, which requires that regulated agreements contain as a prescribed term stating the correct amount of credit iv) The agreement for additional insurances was therefore improperly executed under section 61 (1)(a) of the CCA. 4. Accordingly the Claimant asks: a) The Court finds that the Defendant acted in a way grossly contravening ordinary principles of fair dealing and reopens the credit bargain to perform restitution to rectify the unjust enrichment performed, to the detriment of the Claimant by the sum of £266.66p by conferring a benefit under an ineffective transaction. b) If the Court is unable to perform restitution, then the Claimant seeks damages of £266.66p by virtue of the Defendants’ actions, be they fraudulently or mistakenly, in obtaining the Insurances which offered no benefit to the Claimant. c) Alternatively, the Claimant seeks damages of £266.66p in regards to the Defendants clear breach of the Claimants human rights as prescribed by Article 1 of the first protocol of the Human Rights Act 1998 whereby the Defendants actions did cause the Claimant to suffer personal loss to the sum of £266.66p d) Court costs; e) Costs, the Claimant seeks £100.00p for the materials, postage, (recorded delivery)of all the letters and preparation of the claim. f) The Claimant claims: Compensation for payments that would have been paid, had the ppi been effective, under the payment protection insurance, total: £227.63p f) The Claimant claims i)Compound interest on the charges applied thereon to the Claimant’s account (“the principal claim”), at the annual rate of 13.9 %. This is the rate currently applied by the defendant to the claimant’s unauthorised use or borrowing of the defendant’s monies, as provided for in the contract. The Claimant’s case for claiming this rate is based in equity, and a legal requirement for fairness and balance. The Claimant deems the Defendant’s principal indebtedness to the claimant to be unauthorised, since it is comprised of insurance charges that were imposed upon the Claimant, they were not optional, they were not explained and were in fact mis-sold due to the Claimants employment situation. ii) In the alternative to e i), if the court is unable to agree that the claimant is entitled to the contractual rates of interest, on the grounds stated, the claimant avers that the defendant would be unjustly enriched if the claimant’s entitlement was limited to the statutory rate of interest in that the defendant has had use of the sums and would have used these sums to re-lend at commercially compounded rates. On these grounds the claimant seeks restitution of the compounded contractual interest at the defendant’s authorised borrowing rate of 16.9 % per annum. iii) In the alternative to e i) and ii), if the court finds that the claimant is not entitled to contractual interest, the claimant claims interest under section 69 of the County Courts Act 1984. iv)Schedule showing interest calculated at the rate quoted at I is attached to these particulars of claim, as follows: ·Schedule A - Compound Contractual Interest calculated at 13.9% ·Schedule B – County Court Statutory Interest calculated at 8%. any comments would be great also i shall post my witness statement.

having now decided that their agreement is not valid and does not comply,i will supply my poc which i filed for court and can somebody see if i have made a cock up anywhere as MBNA are putting so much effort in.

hi steven, if my details were anywhere they should have produced them for court and i have checked and studied the information given and there isnt any of my details anywhere. they cannot now produce any new info for court.

thanks elsinore, will make another donation to the site when cheque clears.

great news??? ive WON. citi have sent me a full payment this morning and could i immediately inform the court so that judgement wont be lsited as we have only 1 week, will be paying the cheque in monday first thing.

hi everybody, i am with the toymaker on this one, i never missed any payments with egg as it was paid by direct debit and i had a few charges for going over my credit limit. they terminated my agreement and as with everybody i never recieved a default notice. i am going to do the same and write to egg for clarification .

hi can anybody point me in the right direction for particulars of claim for an rbs credit card.

thanks for the advice , as i have some time now i will do as you suggest and report ge finance. this was a mortgage in its own right with first national , which was part of ge finance. they then renamed first national to ge , still at the same address.

thats good then because they are not so the agreement they have supplied is not enforceable. first bit of good news. thanks steven

thanks for the advice , have written to them giving 7 days to pay or i will commence the enforcement action.

hi steven , my name dosent appear anywhere and nor does my address. there is another piece of paper which looks like the application form, it is difficult to read , that has my signature on it. the terms on the above agreement are different to the rates that wer in force when i signed up to mbna.

· any person working for us (including any member of the MBNA Group); · if you arrange insurance through us, that insurer; · credit reference and fraud prevention agencies; · any organisation which backs any of our products which you hold; · any guarantor of any agreement between you and us; · any payment system under which we issue your card; · any person we transfer any of our rights or duties to under any agreement we may have with you; and · anyone you authorise us to give personal information to. 13e So we can process, use, record and release personal information, we may pass your information outside the United Kingdom to other countries including the United States of America. We are responsible for making sure that your personal information continues to be protected during this type of transfer. 14 Releasing personal information to agencies 14a We will release some personal information about you to the following agencies. · Credit reference agencies when we search their records about you. They will record details of our searches. We will also release information to credit reference agencies about any account which you hold with us or any member of the MBNA Group, including information about any payments you have missed. Information held by credit reference agencies may be linked to other people who you have a financial association with. · Fraud prevention agencies. If you give us false or inaccurate information and we suspect fraud, we will tell them this. 14b The credit reference and fraud prevention agencies will share search details and account information with us and other organisations so that we and they might: · assess applications for credit and related services, and manage accounts and insurance policies with you or members of your household; · check your identity in compliance with money laundering law; · prevent, detect or prosecute fraud and other crimes; · recover and trace debts; and · check details ofjob applicants and employees. 14c The fraud prevention agencies will share records with other organisations to help make decisions on proposals for, and claims against, motor, household, credit, life and other insurance, for you and members of your household. 14d The credit reference and fraud prevention agencies will also use personal information for statistical analysis about credit and insurance fraud. Please phone us on the customer satisfaction number shown at the top of these terms and conditions, if you would like details of those credit reference and fraud prevention agencies. You have a legal right to these details. 15 General l5aWe will monitor or record some phone calls. 15b You must send any written notice to us at the address shown in paragraph 5b. We will send any written notice or demand to you at your last-known address. We will always treat you as having received the notice or demand at that address. 15c We may transfer our rights or duties under this agreement or arrange for any other person to carry out our rights or duties under this agreement. You may not transfer any of your rights or duties under this agreement. 15d We will not be liable for: · anything outside our reasonable control (for example, a failure of computer systems which happens for reasons outside our reasonable control) or any industrial action if this prevents us from providing our usual service; · any person refusing to accept or honour (or delays in accepting or honouring) any card, card number, cheque, PIN or balance transfer; or · any cash dispenser failing to issue cash. We will not be liable for the way in which you are told about any refusal or delay. iSe We can delay enforcing our rights under this agreement without losing them. 1Sf If we cannot enforce any condition under this agreement, it will not affect any of the other conditions in this agreement. 15g This agreement is governed by the law of England and Wales. 16 Definitions In this agreement, the following words and phrases in italic have the meanings shown next to them. additional cardholder — a person you ask us to issue a card to, or to provide cheques to, for them to use on this account. annual fee — a fee which we may charge each year for running your account. balance transfer — a payment you ask us to make from your account to another financial institution which is not a money transfer and which pays off or reduces the amount that is owed to them. card purchase — any transaction (other than a cash transaction) under which you make a payment using a card (with or without the PIN) or card number. cash transaction — a money transfer or any other transaction under which you receive cash or a cash substitute by using your card or card number, including foreign currency, traveller’s cheques, postal orders, gambling transactions and transferring money electronically. cheque transaction — any transaction in which you use a cheque to make payments using the account (the terms and conditions in the chequebook will apply). default charges — any charges we add to your account under paragraph 3a. handling fee — any charge we add to your account for balance transfers, cheque transactions and for cash transactions under paragraph 2c. MBNA Group — MBNA Europe Bank Limited, its subsidiary and parent companies, any subsidiary of any of its parent companies and any person we transfer any of our rights or duties to in this agreement. money transfer — a transfer of funds from your account to another financial institution other than into a credit card or loan account. PIN— the personal identification number which we issue or approve to be used with a card. service charges — any charges we add to your account for the services provided under section 4. Complaints If you would like to make a complaint, please write to us at MBNA Europe Bank Limited, P0 Box 1004, Chester Business Park, Wrexham Road, Chester CH4 9WW. We have procedures in place which will make sure we handle your complaint fairly and quickly. However, if you are not satisfied with the outcome of your complaint, you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 95R.

· your balance goes over your credit limit; · your card, card number, cheque or PIN. or that of an additional cardholder, is used by you or an additional cardholder, or by a person who used it with the permission of you or an additional cardholder, in a way that is not allowed; or · there is a delay in us producing, sending or delivering your statement. Your liability if your card is lost, stolen or misused by someone who got it without your permission or the permission of an additional cardholder is set out in the theft, loss or misuse of credit card statement above. 8c We will add your payments to your account when they have cleared. Details of how long you should allow for your payments to reach your account are on the back of your monthly statement. 8d Unless you have a legal right to do so, you must not hold back a payment or refuse to pay anything you owe us because of a dispute between you (or your additional cardholder) and another person. 8e You must pay us immediately: · any amount by which your balance goes over your credit limit; · the value of any transaction which you have made which breaks this agreement; and · the amount of any missed payments under this agreement. 8f You, or your legal representatives, must pay your whole balance if: · this agreement ends; · you fail to make a payment in frill when it is due; · you break an important part of this agreement or repeatedly break this agreement and fail to sort the matter out; · a bankruptcy order is made against you, or you make a voluntary arrangement with your creditors; or · you die. 8g If we demand any payment under paragraph 8f, we will immediately let you know why. 8h You must make all payments to us in pounds sterling. 9 Stopping the card 9a If we have a valid reason (which we will tell you about), we may at any time stop, suspend or restrict any card, card number, cheque or PIN. 9b If we stop or suspend a card, we may keep the card or (if we ask) you must cut it up. 9c You must not use the card, card number, cheques and PIN after we have stopped them, while they are suspended, or if we restrict them. 10 Ending this agreement lOa We may end this agreement at any time if we write to you first to tell you that we are doing so. If we have a valid reason, we may end the agreement immediately and write to you as soon as we can afterwards, to tell you why we have done so. lOb If we end this agreement, you must cut up all cards and unused cheques. If we ask, you must also return them to us. lOc You may end this agreement at any time by contacting us and cutting up all cards and unused cheques. lOd After this agreement ends, you will still be personally liable to pay all amounts which are due (or may become due) to us under this agreement. lOc If you end this agreement, we will cancel any Payment Protection Cover you have taken through us for this agreement. 11 Altering this agreement ha We may decide to change any of the terms of this agreement, including interest rates, fees and charges (such as, for example, handling fees, any annual fee and default charges), or introduce new terms. If the change benefits you, we will do it immediately and tell you about it within 30 days. Otherwise, we will tell you at least 14 days before any increase in interest rates and at least 30 days before any other change. 12 Changing your name or address or insurance provider 12a If you, or any additional cardholder, change your name, or if you change your address, you must let us know as soon as you can. 12b If you ask us to arrange insurance on your behalf, we will treat this as your authority to advise on, manage and cancel any insurance policy for you and enter into a new policy with a different insurer if we consider it to be in your best interests. Before we do this, we will tell you the terms offered for a further policy period by your current insurer, or if your current insurer no longer offers the policy, the terms of a policy offered by the alternative insurer. Unless you tell us otherwise, the authority outlined in this paragraph 12b represents your prior request for us to transfer you to such a new policy in these circumstances. You can withdraw this prior request at any time by writing to MBNA Insurance Services, MBNA Europe Bank Limited, Chester Business Park, Chester CH4 9QQ. 13 Personal information 13a In sections 13 and 14,personal information means: · information you give us or we already hold about you, including any phone number you call us from, which we may record; · information we receive from enquiries we make so we can make a decision on your application to, or agreement with, us or any member of the MBNA Group, including information we receive from searches made by us or any member of the MBNA Group in your name with credit reference and fraud prevention agencies and insurance claim registers; · information about any MBNA account or policy which you, or any member of your household, holds with or through us; and · information we receive from anyone who is allowed to give us (or any member of the MBNA Group) information about you. 13b We will keep your personal information for only as long as we need to or are allowed to by law. You have certain rights to receive a copy of the personal information we hold about you. Please write to Compliance Manager, MBNA Europe Bank Limited, Chester Business Park, Wrexham Road, Chester CH4 9FB. We will charge you for this. 13c We will process and record your personal information, including details of your transactions, to: · search credit reference and fraud prevention agencies’ records (including information from overseas) so we can manage your account with us and make decisions about credit, including whether to make credit available or to continue or extend your existing credit (these searches will not be seen or used by other lenders to assess your ability to get credit); · assess any application for credit or other financial services you or any member of your household makes (we will sometimes use a credit-scoring or other automated decision-making system to do this); · manage your accounts and policies, and make decisions on questions about any application, agreement or correspondence which you may have with us; · carry out, monitor and analyse our business; · contact you (unless you tell us that you prefer not to receive direct marketing) about other products and services which we consider

Our customer service line — 0800 015 0306 If you are phoning from overseas, please reverse the charges to — +44 1244 673 101. 4 Other charges 4a If you ask us to provide any documents such as copies of statements, vouchers and cheques, or if you ask us to accept payment from you other than by cheque, direct debit or payment over the counter at a bank, you may have to pay our service charges. We will tell you about these at the time. 4b If you make a transaction in a currency other than sterling, we will change the amount into sterling at the wholesale market rate or any rate that a government may set. We will charge a service charge (commission) of 2.75% of the value of each foreign-currency transaction rounded up to the nearest penny. Exchange rates may change, and the exchange rate which applies on the date that you make your transaction may not be the same as the exchange rate we use on the date that we convert the transaction charge and add the service charge to your account. The exchange rate shown on the statement will include this service charge. 5 Keeping your account secure and loss, theft or misuse 5a You must sign your card, and make sure that each additional cardholder signs their card as soon as they receive it. You must always make sure that you, and any additional cardholder: · do not allow anyone else to use your card, card number, cheques or PIN, or tell another person the PIN; · destroy the notice of the PIN after receiving it, do not keep the card and PIN together, and never write the PIN down; and · only release the card number and security details on your account to make (or try to make) a transaction. Sb If your card or cheque is lost or stolen or someone else finds out your PIN, or if you think your card, card number, cheque or PIN may be misused, you must: · call us immediately on one of the customer satisfaction numbers shown above section 4 (we have a 24-hour service) so that we can stop the card, card number, cheques and PIN; · if we ask, write to us within seven days to confirm the loss, theft or possible misuse (the address is MBNA Europe Bank Limited, P0 Box 1004, Chester Business Park, Wrexham Road, Chester CH4 9WW); and · stop using your PIN, card, card number and cheques immediately. Sc If you find your card after you have reported it lost, stolen or misused, you must cut it up and tell us as soon as you can. 5d You will not be liable for any use of the card, card number, cheque or PIN by another person who does not have your permission to use it unless: · you, or your additional cardholder, agreed to that person having your card; or · you, or your additional cardholder, have acted dishonestly or very negligently. Se You must make sure that you, or your additional cardholder, report the matter to the police and, if we ask, you and your additional cardholder must give us all the information we need to help us investigate and recover our property. Sf We may tell law enforcement agencies any information which we reasonably believe may be relevant. 6 Using your account 6a You must make sure that any additional cardholder keeps to the conditions of this agreement. We may release any information relating to the account to any additional cardholder. You or an additional cardholder may, at any time, have that additional cardholder removed from your account. 6b You must not use the card, card number, cheques and PIN after this agreement ends, after the expiry date on your card, or in a way that would mean your balance goes over your credit limit. 6c We may refuse to authorise a transaction if the relevant phone or computer link is busy. We may also refuse to authorise a transaction or return a cheque unpaid if: · the amount might result in your balance going over your credit limit (in deciding this, we will take into account the value of your transactions, interest, handling fees, any annual fee, default charges and service charges as well as authorised transactions we have not yet added to your account); or · we reasonably believe that we need to do so to keep to the rules of the payment system under which we issue your card; or · we reasonably believe that we need to do so to comply with any law or as a matter of good practice, for example by acting to prevent over indebtedness. 6d You cannot stop a cheque transaction, card purchase, cash transaction or balance transfer after it has been made. 6e You can only draw cheques in pounds sterling and you cannot use this account to pay us. 6f We may renew your card when it expires (runs out). If you ask, we may also replace a damaged card, provide further cheques, change the card or account number, or change the PIN. 6g We may also issue a different type of card from the one you have applied for, or replace it with a different type of card (including a card which operates under a different payment system), if: · you ask for (or are eligible for) a different type of card; · you are not eligible for the type of card you have applied for, or which we have issued; · there is an organisation that backs your card, and our arrangement with that organisation has ended or is about to end; or · we have any other valid reason, in which case we will give you that reason. 6h Cards and cheques are our property. 6i We will refund a transaction only when we are satisfied that a refund is due. 7 Statements 7a We will choose your first statement date. We will then produce your statements about one month apart. If you ask, we may change the statement date. 7b We will send you a statement showing the payments you have made to us and all amounts we have charged to your account since your last statement. We will do this every month, unless there have been no transactions during that period and you do not owe anything. We will normally send the statement within three working days of the statement date. 7c You must check your statements. If any item in a statement seems wrong, you must let us know as soon as you can. 8 Paying your balance 8a The minimum payment you must make will be shown on your monthly statement. Refunds and credits will not count towards your minimum payment unless they pay off your balance in full. We may write to you allowing you to make a reduced monthly

here is the credit agreement as promised, this is what they have produced This is a copy of your agreement for you to keep. It Includes a notice about your cancellation rights which you should read. CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 Your lender is MBNA Europe Bank Limited, Stansfield House, Chester Business Park, Wrexham Road, Chester CR4 9QQ. 1 Key financial information la We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. lb The minimum payment that you must pay by the payment due date shown on your statement each month will be as follows: · if the balance shown on your statement is £5.00 or less, it will be the total amount of the statement balance; or · if the balance shown on your statement is more than £5.00, it will be whichever is the least of 2.85% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5.00, provided that it will always be at least £5.00. ic Your Annual Percentage Rate is 27.9% APR (variable). 2 Other financial information 2a If, for example, you immediately borrow £1,500 and pay it back in 12 equal monthly instalments, your total charge for credit under this agreement would be £209.93, not including the £1,500. 2b The interest we will charge on transactions, including for introductory promotions, will be as set out below. Note that we will not increase any promotional rate during the promotional period, unless you do not keep to the terms and conditions. If you do not keep to the terms and conditions, we may, at any time, totally withdraw any promotional rates which apply to your account from the day after your last statement date and apply the standard rates shown below. Card purchases: We will charge interest at the standard rate of 27.9% p.a. (a year). Balance transfers: We will charge interest at the standard rate of 27.9% p.a. (a year). Cheque transactions: We will charge interest at the standard rate of 27.9% p.a. (a year). Cash transactions: We will charge interest at the standard rate of 27.9% p.a. (a year). 2c We will charge the following handling fees. For all balance transfers and cheque transactions, 2.98% of the amount of each transaction (minimum £3.00). For all cash transactions, 3.00% of the amount of each transaction (minimum £3.00). There is an annual fee of £0.00. 2d We will charge interest on handling fees, and on interest you already owe, at the rate which applies to the relevant transaction. We will always charge interest on any annual fee, service charges and default charges at the rate which applies to card purchases. We will not charge interest on the card purchases shown on your statement if you pay off the whole balance shown on that statement, and on the statement before, by the date the payment is due. Otherwise, we will charge interest on all transactions, handling fees, service charges, default charges and interest starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day, so the earlier you make a payment, the less interest you will have to pay. 2e We will add transactions to your account after the payment system under which we have issued your card lets us know about them. We will add interest to your account on each statement date. We will add the handling fees, any annual fee, service charges and default charges immediately. 2f We will use your payments to pay off balances at lower rates of interest before balances at higher rates of interest. This means that if you have made a transaction at a promotional rate after your last statement date but before the date we receive your payment, we may pay that transaction off first. 2g In working out the APR we have not taken account of any changes in interest rates or handling fees or any annual fee. We may change these, and may also introduce new fees, by giving you notice under paragraph 11 a. 3 Key information 3a If you break this agreement, you must pay the following default charges. · £12.00 each time that your payment has not reached your account in cleared funds by the date your payment is due. · £12.00 each time a cheque, direct debit, a credit-card cheque or other item for payment is unpaid. · £12.00 each time the account balance goes over your credit limit (after taking into account any items not yet shown on any statement). · Any other losses and costs we suffer as a result of you breaking this agreement. We will add these directly to your account. We may change the amount of these default charges by giving you notice under paragraph 11 a. 3b Details of other service charges are set out in section 4. MISSING PAYMENTS Missing payments could have severe consequences and make obtaining credit more difficult. IMPORTANT - READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been complied with when this agreement was made. If they were not, we cannot enforce this agreement without a Court order. The Act also gives you a number of rights: 1) You can settle this agreement at any time by giving notice in writing and paying off the amount you owe under the agreement. 2) If you received unsatisfactory goods or services paid for under this agreement, apart from any bought with a cash loan, you may have a right to sue the supplier, us, or both. 3) If the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us. If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest Citizens’ Advice Bureau. THEFT, LOSS OR MISUSE OF CREDIT CARD If your credit card is lost, stolen or misused by someone without your permission, you may have to pay up to £0 of any loss to us. If it is misused with your permission you will probably be liable for ALL losses. You will not be liable to us for losses which take place after you have told us about the theft, etc. YOUR RIGHT TO CANCEL Once you have signed, you will have for a short time a right to cancel this agreement. You can do this by sending or taking a WRITTEN notice of cancellation to MBNA Europe Bank Limited, P0 Box 1004, Chester Business Park, Wrexham Road, Chester CR4 9WW. If you cancel this agreement, you will still have to repay any money lent to you. But if you repay all of it before your first payment is due, you will not have to pay interest or other charges.

does anybody know the next steps to getting the judgement enforced as on the notice it says that they have to pay immediately.