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first time on here so please be kind!.....i have a number of credit card debts, i have heard that because i have never actually signed an aggreement they arnt valid contracs? is this true?

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If you applied online the tick box is a signature acceptable in court, so no the advice you have been given is flawed.


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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi, first time on here so please be kind!...

 

..i have a number of credit card debts due to being made redundant 4 years ago,

at the time i offered a token payment to all of them as i wasnt earning of £1, which was accepted,

 

since then i havnt been back in touch with them ( avoided really) and burried my head in the sand to be honest!

 

i currently have them chasing me again and just dont know where to start?

 

i have heard that because i never physically sighned an aggreement with them that they arnt enforceable?

 

any advice would be very helpfull?

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Two threads merged and moved to General Debt forum.


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The agreements are valid.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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whats my best option then? i owe about £60k, have no property and no real assets to talk of! sick of ducking and diving, is bankruptcy my only real option?

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thanks for the advice, will talk to national debt line! if the cards were taken out before 2005 are the enforceable?

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thanks for the advice, will talk to national debt line! if the cards were taken out before 2005 are the enforceable?

 

Send a CCA request to each of the creditors - this is a request for a copy of the agreement.

 

It will cost you £1.00 for each request and the company has 12 working days + 2 to comply.

 

They are obliged to provide you with..

 

A copy of or truthful reconstruct of the agreement

Terms and conditions at time of entering into the agreement and also at default.

Plus a statement of account.

 

If they dont provide this, then they are in breach of an s78 request.

 

There are no sanctions for non compliance now however, should anyone then take steps to issue a claim, chances are you would be able to use the non compliance in any defence.

 

If the agreements were taken out before 2007 then you have greater protection.


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Uploading documents to CAG ** Instructions **

 

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Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

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5: Forum rules - These have been updated -

Please Read

 

 

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have removed some posts that were of little value to the thread. Please consider your comments before hitting the submit button !!


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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