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unenforceable debt letter - a quick question


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Hello,

Im trying to get my finances in order im in the same boat as alot of others i guess....

 

Im unable to repay all my debt, im basically borrowing on 1 card to pay another vicious circle....

 

and because f this im falling behind on mortgage :(

 

i was going to offer token payments to credit cards/loans but I thought i may aswell try the unenforceable debt templates first (most of my cards have been sold to other lenders since i took them out about 14 years ago.... (egg now barclaycard and ge now santander and so on....)

 

but my question was do i need to stop paying them before i send these unenforceable debt templates?

 

i mean if i kept paying them surely they would wonder why i was paying them if i thought it was unenforceable debt?

 

last thing i want to do is add to my debt with late payment fees etc by not paying them :( but i just wanted to check this

 

should i stop paying them before i send these unenforceable debt templates? or keep paying whilst sending them?

 

any help much appreciated xxx

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I would keep paying them. CAG do not condone trying to wriggle of out debt and recent court cases means it is not clear cut as before.

 

Certainly is there is no enforceable agreement this could help you for reduced full and final settlements or more suitable payment arrangements

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What's the score with your cards at the moment, are they all up to date with payments ect and are you paying any PPI on any of them ?

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

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

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  • 1 month later...

Most of them are all upto date (few late payments here and there ) but as of today they are all up to date except Next directory which has a default and 1 credit card which is 4 missed payments,

 

There are no ppi on any of them

 

I wrote to them all about unenforceable debt but i dont really understand what they have sent back? i desperately need to either try and reduce payments supplying a means test requesting an intrest freeze or something asap. this is only temporary im not trying to get out of paying debts im just in a really bad situation at the moment with business and the economy.

 

any help hugely appreciated x

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can you scan and post up what they sent back? was it cca requests that you sent?

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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  • 3 months later...

sorry for the delay on this I had burried my head in the sand a bit until now as I just had 2 doorstep collections this morning, I feel sick :(

 

my Situation has changed greatly, Im now unemployed and my only income is child tax credits and child benefit, Im desperately seeking work and even been selling bits and pieces on ebay meantime just to be able to feed the kids.

 

I will upload the replies I received hopefully someone can help, I dont know whether to goto a debt advisory to ask temporal freeze of accounts until i get a job or keep trying to go down this prove the debt route?

 

any help apprechiated

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