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Unenforceability Letter Templates


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Hello,

 

I've discovered some breaches in a couple of old credit card agreements with MBNA and Citi.

 

I've now stopped paying them.

 

However, it would suit me to avoid having my credit file registered with defaults etc, which could perhaps be acheived by use of a template letter outlining the breaches and getting the debts written off before the DCA's etc get involved.

 

Is this wishful thinkiing on my part? If not are there any example letters avaialble on the forums for us please?

 

Thanks.

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Many thanks Blueda.

Are these as effective for unenforceable credit agreements as they are for unfair bank charges?

What would be the first letter to send to the credit card company?

Tony.

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