We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Writing off debt (telephone call)
silkyuk9
Posts: 2,815 Forumite
Hi
just had a pre-recorded phone call saying that if i owe credit crads and some debt it can be written off. I heard this on TV this morning as well. Whats it all about and if there is any truth in this how do you apply and what are the conditions.
I'm sure there is going to be catches but if some one can explain how it works there is no harm in trying.
just had a pre-recorded phone call saying that if i owe credit crads and some debt it can be written off. I heard this on TV this morning as well. Whats it all about and if there is any truth in this how do you apply and what are the conditions.
I'm sure there is going to be catches but if some one can explain how it works there is no harm in trying.
All the big powers they've silenced me. So much for free speech and choice on this fundamental human right, and outing the liars.
0
Comments
-
Hi
This sounds like an IVA - I would suggest you look into this as it is a great solution for some people.
Maybe type IVA into a search engine so you get some independant advice.
I know a lot about IVA's having worked in the industry for 4 years so if you want any help with general questions please just ask0 -
Personally, I would suggest seeking independent advice regarding your situation rather than rearching one particular solution.
I must stress IVA's can be good, but only for a very small percentage of people. In reference to the phone call, any company that are leaving pre-recorded messages for you are probably best avoided.I am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.0 -
Completely agree0
-
i heard on the Tv this moring that if you had a credit card before last year i think it was then the debt can be written off, but how can it??All the big powers they've silenced me. So much for free speech and choice on this fundamental human right, and outing the liars.0
-
This is garbage.
For over 30 years companies that did not organise the proper legal documentation for the loan, catalogue and CC they offered could not enforce payment of a debt in court.
The situation changed in April 2007.
if a company has not got the required documentation, then the debtor can refuse to pay and the DCa cann0t chase them throught he courts.
many people on here have done this successfully. It costs £1 for the CCA request and you need to send it by registered letter.If you've have not made a mistake, you've made nothing0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247K Work, Benefits & Business
- 603.6K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards