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Help with writing off capital one credit cards


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Hey everyone,


I'm brand new to this but I would love to have some advice on what I can do with capital one credit cards which have been in my family for years at a wonderful 30%.


My brother is also unable to pay his credit cards due to not having a job and is now in a payment plan with them, and my mum's payments don't make much of a dent in her balance.


I have done some reading and I work in a company which has a branch dealing with unenforceable credit agreements, so it's sparked interest. I'm not willing to pay massive amounts of money to have someone do this for me when there is so much info and help here for free. Can anyone advise me on how I can get these debts written off? I know I have to request a copy of the original agreement but that's my first hurdle where I get stuck


Any advice would be greately appreciated.



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too true.


i'd sar each one & then reclaim any charges & poss mis-sold ppi.


i think it would be better if we had a bit more history on each debt too.


sadly whatever the [problem] industry portray, there is no such thing as a magic bullet.



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... 

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