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monkeybaby

Next steps? Still chasing despite providing unsigned agreement

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Hi I have looked all over including on the forums and not been able to find an answer to this particular question,

 

Some years ago I followed the advice on here regarding a pre-2007 catalogue debt.

I requested the credit agreeement which was provided to me and it was unsigned.

I assumed this was the end of it as I stopped receiving letters

and then since moved house however the letters have now started up again

 

I have scanned copies of my original letter their reply and the unsigned agreement to send to them

but I am completely stuck on the wording of this in terms of what I am actually asking them to do?

 

Am I asking to acknowledge that the debt is unenforceable and therefore want written confirmation that the debt will be removed from my credit file?

 

Unsure of wording and what the next steps might be, any help greatly appreciated!!!


Monkey baby :eek:

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Hi

Just because a creditor has no enforceable agreement does not mean that they cannot chase you for it. It just means they would have great difficulty enforcing the debt through the courts.

 

The debt still exists and the creditor can pass it on to whomever they please and let the new creditor have a go.

 

You could send them a CCA fail letter (obviously adapted to suit the circumstances)

http://www.consumeractiongroup.co.uk/forum/showthread.php?405830-Letter-for-a-Failed-CCA-Request

 

As for removing the default. Don't hold your breath. On the assumption the dates and amounts are accurate then it will stay there for the life of the default.


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