Have been looking through all posts going back years - has anyone successfully had their debt 'cleared'. I contaced MBNA direct to ask them to send my up to date terms and conditions. Have just received an 'updated' terms and conditions - not the original, but they did send me a copy of the application form I signed back in 1998 - so take it cannot take the unenforceable claim any further as they do have this signed form ?? any comments would be appreicated