If the lenders cannot produce a signed agreement, many break the law and pass on the debt to a DCA who will harrass you by making relentless phonecalls, send threatOgrams ect. My advice to all is get a good solicitor who can advice you on how to proceed. Even if an agreement is produced still get a solicitor to give it the once over to make sure it's legal.

MM

Quote:

Originally Posted by dx100uk

posts which keep bolstering the 'myth' that an unenforcable cca = the debt is written off are not helpful to anyone.

CAG is not here to assist people in avoiding paying their just dues, it is about getting even with these co's that charge unfair sums towards consumers.

IMHO this thread needs closing.

dx

why should these people get away with breaching the law if we cant get away with missing a payment or being late .... they deserve everything they get and I do not think it will end here.... credit reference agencies break the law by their shere existence, government ministers claiming expenses they are not entitled to and not going to jail,,,, would they allow me to pay back benefits that I had unlawfully claimed or would they throw me in jail " sorry judge fair cop I will pay it back and carry on like nothing has happened" cheers ... I dont think so... when are we going to get united and do something. look around, what has happened to our great country that we all appear so proud of.... it is in a right mess....to say the least and getting worse not better... where do you go to complain.... MP's ,only in it for themselves, lords selling favours, courts overbooked and judges often not versed with all aspects of the law.... where does it end who can help?????

 

we need many many marc ganders... uk26 is fighting CRA's, we should all support these mavericks as they have reshaped democracy for the many... get on board and support... lets get back to basics , manufacturing etc... lets not bail out banks with billions that dont even exist in paper form.... lets do what we can to push these villains over the edge... whilst they sit in mansions never having to work again for the rest of their families lives we suffer and their actions push our families into a spiral of deprivation and dispear....

 

please dont say if you have spent it then pay it back.... I spent £1000 buying furniture on a credit card and with charges and interest I will end up paying approx £5000 back to this **** so once my £1000 is paid back am I ok to take them to court for their breaches will I ever see my extra £4000 ,,, I doubt it.. they have been repaid and some...

I agree with you desigaand, CAG is no place for censorship or judgementalism...then it would have become worse than the authorities...people only seek out this kind of help when they are in dire straits ... and they should be allowed to express themselves freely and give advice to others freely. Anyone who comes to this forum can read advice and experience from everyone, it's up to them to work out which advice to give more weight to. There shouldn't be some dictator saying who can talk and who can't and what they can say.

Everyone started somewhere and learnt the hard way that they needed help by getting browbeaten by all sorts of authorities that claimed to be acting in for the consumer (the CAB, solicitors, the OFT, FOS, even the banks). Instead of trying to censor ordinary consumers, just help them with your advice.

And here is my advice...don't go to a solicitor, you may find they are very limited in what they want to involve themselves in, and may not have the wealth of knowledge that you can find on this forum...start a thread, post up your own agreement, ask for comments...go searching for information others have received on their agreements...start thinking of this as a long term project/hobby where you are going to build your own case, even if you decide in the end (if it ever does go to court) to employ a barrister to argue for you. There are loads of cases that don't get to court because the arguments consumers make are so sound the banks don't want to risk it. There are others that go to court and the consumer wins. And then there others where the consumers lose. It is all here on these threads...more collective experience than most solicitors can ever hope to acquire. Find out the strengths and weaknesses of your particular case by researching these threads and you will be more powerful yourself for it.

hi desigaa, your post 50 is identical ti mine in 29, I should take you to court for plaguerism;-)

hi desigaa, your post 50 is identical ti mine in 29, I should take you to court for plaguerism;-)

hi fergal,sorry about that,i couldnt be bothered to type an answer,also your answer was so good so used your wording.please dont take me to court lol i got enough court cases to handle at moment.

if you want me to remove post let me know .

hi no its fine just wish more would be done...

Hello

Can anyone advise me

I asked for a copy of the Credit Card Agreement which I signed

but it does not say anywhere about varying interest rates

They sent me a separate leaflet about varying interest rates - but its only a leaflet, not signed by me.

so can I challenge it ?

My interedt used to by 12%

Now its 23.9%, I pay nearly £100 in interests !

Any advise ?

hi , new to this so here goes.

i desperatley need some help advice on my current situation. Firstly before now I had no credit problems, used credit cards alot over the last 20 years, nearly always cleared the balance the next month, no history of missed payements- thats the background.

Moved to Spain a few years ago, at the height of the boom, sadly.

in very simple terms life in Spain has not been good, low paid work and subsequentlt cc debts have increased always hopeful that work would turn around. Added to this property value has dropped by 40% plus. Due to recent further reduction in income can no longer service cc monthly payments.

I have not asked for a copy of the Credit agreement yet, I am talking to family and friends to see if I can come up with a lump sum to offer F&FS.

My house is worth less than the mortgage and secured loan to the builder.

I have stopped paying monthly payments because I have nothing left each month, in fact its only freinds and family who are helping me monthly. I cannot afford to employ a solicitor and sadly as I no longer live in the UK iva does not appear to be an option

The questions

Should i be asking for a copy of the credit card agreement?

Can a ccj be issued if you no longer live in the uk?

Has anyone had a similar experience, if so what advice can you give from your experience?

Any guidance advice would be gratefully received many thanks

expat1

Hi Expat

Best to start your own thread as you will then be seen by more caggers rather than buried on this thread.

many thanks, as i said i'm new to this, how do you start a new thread? cannot see anywhere on the site for this, many thanks

Go the main page..

http://www.consumeractiongroup.co.uk/forum/#consumer-forums-center-bank

then scroll down to the relevant bank that you have your cc with and click on it.

Then scroll down an inch or three and on the left you'll see a box saying 'New Thread''

Click and off you go.