Jump to content



Unenforceable Credit Agreement?


Please note that this topic has not had any new posts for the last 3535 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

How much is the alleged debt to Capone ? I am in a similar situation so we definitely should keep in touch. I am giving up on the unenforceability angle (well nearly) and will attempt to settle. Mine is about £6k.

Link to post
Share on other sites
  • Replies 259
  • Created
  • Last Reply

Top Posters In This Topic

I thionk that I know who the Debt Collectors are - Frederickson, Debitas etc and we assume that they haven't bought the debt ie they are on commission - what about trying 20% after having initially tried 10% - or just pay them £1 per month and back it up with a statement of your affairs. Just thinking aloud rally but I will be doing something positive very soon. Let me know what you do.

Link to post
Share on other sites

I am thinking about making Capital One an offer to settle- on the condition that they change my account status as settled and get the default removed. Does anyone know if this is possible, and if so, should I make the offer by phone or in writing?

Link to post
Share on other sites
  • 2 months later...

Hi same here quite new to this, need some help about by HFC hire purchare agreement. Basically it was taken in 2002 with buy now and pay in 12 month. Unfortunately I never made any payments and the debt was passed on to a dca, after they contacted me I made a payment arrangement. I have now received copy of my hire purchase agreement and wanted to know its validity, anyone help plz.

 

Thanks

Link to post
Share on other sites
  • 3 months later...

I am new to this site but have been very interested in some of the posts... especially re unenforceable credit card agreements. There has been some great advice given. I was approached by a compensation co... who told me they could wipe all my cc debt... if they could prove the cc agreements were unenforceable.... however after a long discussion they requested my credit card details... I categorically told them not to take any fees until i have had a look at the paperwork... However they did and as u can imagine I was fuming... charged £1,580 upfront for nothing... after calling them and threatening them with MOJ and Financial omb they quickly refunded my fees... as they had already been warned about taking upfront fees.... SO to cut a long story short I am going to do it my self... but nervous... Can anyone provide me with a template for the letters u need to send to lenders.... thanks guys.

Link to post
Share on other sites
  • 1 month later...

haha where do I start??

I have looked at this site and taken advice and now im a little 'stuck' so all input is very much grately recieved!!

I have asked my lenders, Cahoot, Egg and Mortgage lender for original agreements, because all agreements are before 2006 and wanted to know how i really spot the flaws in agreements and how to respond.

My mate works for a company and has said that he can do it for a fee, which really isnt the point if i want to scrub away debts!!

 

OK here goes, The cahoot loan was a flexible one taken out in 2005 agreed limit £9000 have had some success in claim back PPI , I have had the credit agreement back and then have been sent new terms ad conditions with another credit agreement the same as the first attached to it. I havent signed any new terms and conditions. How can this get written off??

 

The Egg one, sent me back a copy of the original agreement with current terms ad conditions it states on the original agreement the original interest rates?? this is for £2500 taken out 8/11/2004

 

NRAM have two secured loans on this account ad have asked them three times for the original loan agreements for the secured element of this account, rang today to ask again, can i go for these to be written off? or will i get trouble off the company or will they ask me to move my mortgage etc??

 

Also ( sorry to drone on and on) but I had a overdraft with Nationwide which has gone to a CCJ. is there anyway around this?? they kept putting the overdraft up ad up without my consent and also I have disputed bank charges without success!!

 

I really dont fancy forking out money (which as you can tell by the debts I aint got) so please Help!! xxxx

 

 

Kelly:jaw:

Link to post
Share on other sites

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

Link to post
Share on other sites

I'm afraid the world has changed since this thread was started. It is now well nigh impossible to get a debt written off by challenging the agreement. Bank overdraft charges are also hard but there may be ways of challenging those using newer legislation.

 

IMO, the only worthwhile things a the moment are mis-sold PPI and late charges on credit cards, catlogues and the like. For late charges, see my Goldfish thread. There is plenty on PPI on other parts of the site.

 

I am going to lock this thread as I think it is misleading now. Please start your own thread in an appropriate forum and someone will be along to help.

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

Link to post
Share on other sites

please can you all start your own threads rather than posting here as it gets hidden and no-one with any experiance is actually helping

 

an un-en CCA DOES NOT get the debt written off - old wives tale.

 

it just means they cannot use the court route.

 

however after many recent cases, it is CAG's view NOT to rely on an UN-EN CCA in a court of law.

 

thread closed

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

Please note that this topic has not had any new posts for the last 3535 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...