Catalogue Debt

As I have mentioned previously your argument does not stand up anyway when the person has received the goods concerned and been making payments to the catalogue company.

But it does stand up, ample proof in previous posts here. As usual, biased and incorrect debt collector's viewpoint.

And still waiting for you (one month now) to post case law on a creditor being sucessful when no signed credit agreement exists and the case has been defended.

:rolleyes:

As previously stated, T_roll (troll?) posts simply to give misinformation.

Why else would a minor employee of a debt collector, spend so much time on debt help forums during office hours. Purpose? To disrupt and give misinformation. Why has he been banned from two other reputable debt help forums?

I leave it the users of the board to make their own minds up.

surfcat wrote:

This thread is a bit of a joke I think. If you buy somehting with no intention of paying it off you are scum IMHO.

That made me giggle sorry You can't buy something and then not pay for it, or you wouldn't have bought it in the first place lol (Sorry my warped mind)

I don't have the intention of not paying for goods received, but the letter does come in use as in the way if they want to be funny with me, I can be funny with them.

I don't want to NOT pay for my goods, I'm just having trouble making payments to them.

I have rang one of my catalogue companies numerous times to say I am in trouble and have offered token payments (and they are not ridiculous payments either!) but they just don't want to know.

Their answer is to bill people for the full amount.

How can anyone pay a full balance off if they can't afford the normal repayments?

I may use the above information and letters just to remind the companies about our 'contract' or lack of it(!), so they should be able to accept lower payments for a period of time.

I know I have to pay and I'm not trying to wriggle out of paying and I do agree that just writing off debts like this is wrong, but if it can help in any way, I will use the info.

shellnsteve wrote:

I don't want to NOT pay for my goods, I'm just having trouble making payments to them.

Good for you. My angry post was mainly directed at the "you CAN do this therefore you SHOULD" brigade, without any thought to whether it is right.

Surely this cant be the case! Egg and Lloyds tsb now dont send out credit agreements for you to sign! When I took out my egg loan 5 months back I just had to go to a webpage they sent me via email then simply tick a box to say I agree with their conditions so technically they dont have my signature on file!

Im sure these catalogue companies could enforce these debts but it may just be too much hassle for the sums involved!

Although I'm no expert so if I'm wrong please correct me.