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CCA request - credit rating a disaster


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We haven't paid our bank loan for over a year as the bank have admitted they can't supply the agreement. However, this is registered now on our credit rating as 9 missed payments - can we do anything about this??

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it is difficult though not impossible, remember although they admit they cannot find agreement in effect this makes it unenforceable, however, the debt just doesnt actually go away, cannot remember the legal arguments and maybe someone else will be along to help out

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