abolish balance on cards ?

Peter_G_3

Hope some one can help me. I have recently heard on a local radio station that if i had taken my credit card out before april 2007 i could have the complete balance written off due to an error in the terms and conditions. I then inputted my details into the radios websight and have been contacted by a solicitor saying they will act on my behalf. Does any one know any one or have done this themsevles, does it work and if so does it affect your credit rating. Thanks for any insight...

tictax

anyone else think its spam?

if this wass genuine the op would only need to look at any one of the numerous threads about this!

cynical? moi?

clio

Well he says he has been contacted by a solicitor so the spam if it is will be for the solicitors, i know its not mentioned yet but give it time lol...

ICan'tStandIt

Peter_G wrote: »

Hope some one can help me. I have recently heard on a local radio station that if i had taken my credit card out before april 2007 i could have the complete balance written off due to an error in the terms and conditions. I then inputted my details into the radios websight and have been contacted by a solicitor saying they will act on my behalf. Does any one know any one or have done this themsevles, does it work and if so does it affect your credit rating. Thanks for any insight...

I've heard of stuff like this but doubt it is as easy as it sounds. IF this solicitor can get the balance written off, they'll be taking a large chunk of it as a fee.

YorkshireBoy

ICan'tStandIt wrote: »

...they'll be taking a large chunk of it as a fee.

£495 up front (non-refundable)
£250 success fee
30% of monies recovered
(and a heck of a lot of small print)

Hmmm...suddenly loses a bit of it's appeal doesn't it?

Peter_G_3

thanks for your replies ... not spam thanks

_Andy_

Or there is the old-fashioned method which involves paying back the money you borrowed as per the terms and conditions of the credit agreement.

ICan'tStandIt

YorkshireBoy wrote: »

£495 up front (non-refundable)
£250 success fee
30% of monies recovered
(and a heck of a lot of small print)

Hmmm...suddenly loses a bit of it's appeal doesn't it?

Yes, very much so.

These people are real low-lifes.

bert&ernie

_Andy_ wrote: »

Or there is the old-fashioned method which involves paying back the money you borrowed as per the terms and conditions of the credit agreement.

Ah, the terms of the agreement. What if the agreement was missing some terms that the law says should be there? Or what if nobody could prove what the terms of the agreement were because the lender had misplaced it?

dmg24

bert&ernie wrote: »

Ah, the terms of the agreement. What if the agreement was missing some terms that the law says should be there? Or what if nobody could prove what the terms of the agreement were because the lender had misplaced it?

Then perhaps the person should get a backbone and face up to their responsibilities as an ADULT?

YorkshireBoy

bert&ernie wrote: »

...what if nobody could prove what the terms of the agreement were because the lender had misplaced it?

Both parties would have to rely on the customer's copy?

...if the customer could lay their hands on it of course.