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I think it was 1998-9 but will check when I can access all the paperwork
I last paid in 2008 after which I made repeated written requests for copy agreement all of which were ignored by MBNA. In Feb 2009 they sent me a photo copy of an agreement which was illegible with separate terms and conditions which were not a part of the original agreement.
They now confirm that they have no copy of the original.
Restons Solicitors commenced proceedings against me on 28 july 2014 and I filed a defense based on the fact that the agreement was misrepresented to me. They did not respond within 28 days and the action has been stayed since. Last week they applied to the court to lift the stay and strike out my defense on the grounds it has no reasonable grounds.
So the answer to my original question is still needed please?
It is the specific issue of the CCL which I an interested in.
MBNA International Bank Ltd are not showing on the register as holding a CCL. I have a reconstituted copy of the agreement.
I was informed at the point of sale that the variable interest rate would move in line with base rate and it did not. If they were not licensed to solicit for credit off trade premises then is the agreement enforceable.