Thank you for your reply and for taking the time to go through my T&C. I really appreaciate what you have done and for your honesty. As you say I am one of the "good guys", never once have I been late with my payments and never defaulted in any of my other cards. I have always paid my loans and my debts in full. It looks like now I am going to be paying MBNA for a long while yet! Just seems a little unfair and I feel stupid for having fallen into their trap. Keep up the good work on this site. Thanks again.

Thank you for your very in-depth response. I was hoping you were going to say it is unenforcable but what a pity it is not. I will try writing to them quoting M&S. I am just a little surprised that the T&C they sent me (page 8) only has my address and nothing else on it. I would have thought that they need to at least have my name or a reference number on it. I actually have a T&C from them from 2005, which seems to be the latest T&C they sent me and that has my name and credit card number on the front page. Also, I know that this is the last T&C they sent me and looks nothing like the T&C they have sent me recently when I requested for them. Can I point htis out to them? I have not defaulted on any of my payments. As I mentioned before, I am paying the minimum payment and only seem to be paying interest off and do not seem to be making much headway getting the capital down! I really want to be debt free but do not want to do this by going into any debt management plan or anything else that will affect my credit rating. Thanks again.

Hi seriously fed up Thank you for your reply. I really appreciate it! Sorry for not replying sooner as have been away (work) and just got back. I have scanned the reply that MBNA sent me when I asked for my T&C (have removed most personal information). All the scans are on photobucket site: s790.photobucket.com/albums/yy187/moneemc/MBNA/ I would really appreciate if you could kindly have a look and let me know if all they have done is photocopied the application forms, with the t&cs are on the reverse. Also I realised the card is from 1997 not 1993 as I originally said. I am mainly interested in getting them to freeze interest so that I can catch up on payments. Again appreciate any help and advice you can give me.

Hi rebel11 Thanks for the reply. Yes, I did ask for the CCA Request with £1 cheque. Have read your signature files and think No. 5 is the most applicable to me. I was hoping to dispute the T&C and hopefully get the interest frozen in the meanwhile. I am only interested in getting the interest frozen so that I can catch up on repaying the loan and do not dispute that I have borrowed funds from them! Thanks mm

Hi I am new to this site. I have an MBNA/Virgin credit card. They put my interest up last year on £14,000 that I owed since 2002 and I just seem to be paying interest and not getting anywhere with reducing the debt. I have asked them to reduce the interest but of course this did not happen. My credit card was opened back in 1993 and I have just asked for the terms and conditions. They sent me a photocopy of a microfiche slide and a copy of my supposedly lastest T&C but there is no name, no reference on the lastest T&C and only has my address. It could belong to anyone else at this address who has an MBNA card. Is this valid? Appreciate anyone who can help me.

Hi I am new to this site and was looking through your posts. I have an MBNA/Virgin credit card. They put my interest up last year on £14,000 and I just seem to be paying interest and not getting anywhere with reducing the debt. I have asked them to reduce the interest but of course this does not happen. My credit card was opened back in 1993 and I have asked for the terms and conditions. They sent me a photocopy of a microfiche slide and a copy of my supposedly lastest T&C but there is no name, no reference on the lastest T&C and only has my address. It could belong to anyone else at this address who has an MBNA card. Is this valid? Have you had any success with them? Appreciate anyone who can help me. Thanks