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Unenforceable Credit Agreements after being DEFAULT

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Hi All,


I am going through a very very bad period financially and have about 9 accounts, (3 personal loans, and 6 credit cards). All were taken prior to April 2007, because of miss payments few accounts have gone into default, and few are gooing to be default very soon. Please guide me what and how can i do something to make these agreements unenforable? in the beginning i thought its all [problem] and not possible but now after vising this site and few others I believe it could be possible. I have spoken on phone with few of creditors and 1-2 have said they do not have any agreemnts etc, personal loans ones have sent me agreements with my sigatures on it, showing the amount i borrowed, interest and monthly payments, does that mean i canot do anything, or there is stilla way? Please guide ASAP so i start doing something....many thanks

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Hello and Welcome, azhar.


I'll move this thread to the appropriate Forum.






Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi and welcome - it would be a good idea to start seperate threads for each of your accounts and include the following information for each one, then we can tailor the information we give to each individual case:


Date Taken out

Type ie Loan Credit Card

Present situation ie in Default

  • Haha 1

Every journey begins with a single step :):)


Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.


If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You


The only person entitled to your Personal Finance details is a Judge not a DCA


Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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