Steven a personal reserve account is/was definetly a credit facility. you have a credit limit and a cheque book which you can use to pay into your bank account. I think you could also just ring up and have money transferred into your bank account. I dont remember how I got one though but I think I was after a loan from them and ended up with one of these. mine was closed a couple of years ago. Busby1

Hi Mercman goin through same with m&s. they have sent me agreement for storecard similar to your copy above. I have written back to tell them that is what they have sent me and that I require cca for c/c account. I'm still waiting on reply,nearly 12 days now so getting ready to send complaint/dispute letter.

Is there anyone who can help please???? Thanks

Hi cds, does your cca look like mine? http://www.consumeractiongroup.co.uk/forum/mbna/179562-mbna-cca-request.html cheers.

Hi all. Have had to change name so starting new thread and hope this is the right place as still no set place for marks and spencer as far as I know. So Have cca'd and also sar'd m&s. The cca they have sent me back is for a chargecard account. Any advice as to what should be my next move would be most wecome. The sar they have sent me back is basically around 250 a4 sheets,one of which is a closing statement for the chargecard account(dated in 2003 when I believe they made all chargecards into credit cards). The rest are just half pages of transactions made from then to now.Totaly incromprehensible to me but obviously mean something. They have supplied the odd page with a numbered list which I assume corresponds with some numbers hand written next to some of the transactions and account details on the pages.?????????? Now I thought a sar request should include all accounts you have had and any manual interventions etc. As I also had a personal reserve account and I'm sure I had at least one loan with them I assumed these accounts statements etc would form part of the information that I had requested? If anyone here has any experience or advice as to what I should do next please feel free to reply. Thanks for now. Busby1.

Could anyone in the know please tell me if this looks enforceable? Thanks.

here are some images of the above http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0059.jpg http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0060.jpg http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0061.jpg http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0062.jpg http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0063.jpg http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0064.jpg http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0065.jpg http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0066.jpg http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0067.jpg http://i652.photobucket.com/albums/uu248/busby1_2009/DSCF0068.jpg Hope links work ok! Please let me know. Any one able to give me any info they may have about these online applications or agreement I would be very grateful.

Hi all Have previously been registered here but have had to change. I had requested a copy of cca from mbna for cc account but not sure if I had worded it wrongly. They have complied by sending a print out(not a photocopy or scan) of terms possibly from a template?? Its on a4 paper headed with a ref number(not one I recognise) and states credit card agreement regulated by the consumer credit act 1974. It does have mbna details after that,followed by my name and address and sections 1-3 of t&c's. It then states sections 4-16 can be viewed by clicking the t&c's link at top of page???????? It then has a tick box(ticked) under which states executed by.XXXXXX. on behalf of mbna and date of signature XX/XX/2006. The document they have sent me has neither mine nor the person stated on behalf of mbna's signature. It does have a box section for a signature with a tickbox inside(with an electronic tick in) uderneath which,it states; I confirm that the tick in this box is a valid means of establishing the authenticty and integrity of my signature to this credit agreement.I understand that mbna will hold this acceptence data on their files. Date of signature: XX/XX/2006 This account was opened at the end of 2006 via internet. I dont remember signing anything to do with this account. My original request letter for cca did not state "true original signed copy". My question is should I make a new request stating that I require the true orig signed copy? Any help appreciated. Busby1.