Well this were my exact words:
'1.The agreement relating to MBNA Credit Card, including terms and conditions at inception and as verified. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the originals should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached."
They send me back a doctored application form with my signature and no credit limit and called it an executed agreement.
thanks for your reply.