MBNA - Virgin - unenforceable credit agreement- where do i start?

[LeeandMel]

Alright I get the message! I didnt think I was hijacking it, just joining in the discussion!

 

 

 

Had a bad day perhaps!!

[jui8883]

hi iv,e just started my process on cca and recieved a reply from citi card the sent me a copy of terms and conditions unsigned and un =dated and with on ones name on do they think im silly and will accept this?

[evo1961]

Afternoon . . . just wondered if you can recommend anyone . . . I tried CreditClear last year (2010), but they went bust allthough they did say that my MBNA card was unenforceable . .

[LeeandMel]

From what i've learnt over the last couple of years dealing with this, there is no such thing as an unenforceable credit agreement. Even if there are some serious flaws within the agreement, a judge now has the power to make a decision on whether an agreement is enforceable or not, and basically if you've signed your name to something and you owe the money, then basically its your debt.

 

One route you may want to explore is the PPI one. I've now gone down this route with several of my creditors, and they are a lot more accomdating wiht this rather than trying to get the debt waived completely and I am due to receive my second cheque from Lloyds TSB compensating me for the PPI I paid on a credit card.

 

I will say that even if you cant get a debt written off, you could just not pay it, or set up a minimal payment to keep they at bay. They are obliged to accept even jsut £1 if thats what you are offering. Obviously doesnt clear your credit rating but at least you wont get hassled.