Unenforceable Credit Agreements

Norfolk_Jim

Because you will be trying to default on your debt. Dont you think that the creditors will notice this?

Bodi_2

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Because you will be trying to default on your debt. Dont you think that the creditors will notice this?[/HTML]

yeah i understand that...all im doing is legally changing the agreement..im not defaulting in anyway

Norfolk_Jim

Come on Bodi, you're not interested in finding out the finer details of your original CCA, your hoping that you find your loans are unenforecable.
Most people who want to find that out are unable or unwilling to repay their debt and are looking for a way out - but you've already said that you can pay. The CC will take a dim view of your asking for this information even though its your legal right to do so and you can understand why.

barshamhillbilly

Doesn't it take both sides to change the agreement ???

Bodi_2

Norfolk Jim yes your are right..just wanted to know some details thats all.

Sheffield_United

I am currently having my cards contested. I have spoken to a legal representative and whilst your card is in dispute and you continue to make monthly payments then nothing is placed on your credit file! FACT. It is true that the courts have a wide range of power and in certain cases they will quash the debt but this isnt always the case as it depends which part of the law your creditor has broken. There are no moral high grounds involved with this issue or if there is then it placed on the Lender for not complying with the law.
Hope this helps.

hboogie

Martin and fellow threaders,

I was sent the email below yesterday with the subject header the same as the title of this thread by a friend. He seems to have forwarded on the main body of the email, with the first paragraph being his addition to the email. Obviously my intial gut feeling was this is impossible. I also questioned my friend on whether it was related to IVAs in anyway and he said 'no'. Now i know Martin says that if something sounds too good to be true, then it probably isn't true, but have a read, and please let me know if anyone else has been sent this, and what the hell these amazing changes to the Consumer Credit Act 1974 are????
IS THIS A HOAX???


'Hi please read this carefully, this is not a joke. As i don't do jokes i'm very serious , read below and if your interested just phone me or text me your email address and i will give you the contact.

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Do you have a credit card or loan?
Would you like to have the balance written off?

We have teamed up with a City solicitor who specialises in writing off credit card debts through a totally legal process. They operate on a no win, no legal fee basis so this means that you have nothing to lose!
If they can successfully reduce or write off your credit card or personal loan following changes to the Consumer Credit Act 1974 it also means that any credit issues – such as late or missed payments – which have affected your credit will be wiped from your file to restore your credit.
There is a small admin and processing charge to gather and package all your information for the firm to process and attend review meetings, including requesting copies of your credit agreements and any supporting documents. If you can save thousands of pounds by writing off your balance and repairing any credit issues its worth taking a closer look in the current volatile economic market where every penny counts.
The main criterion is that your credit card or loan was taken out before April 2007 to qualify. We seriously think that this could help out a lot of people and are calling everyone on our database to check but if you would like to have your case processed quickly to avoid ongoing hefty monthly interest payments Best wishes for the year ahead'

cambsgirl_2

Spam Spam Spam

hboogie

i know, that was my first instinct, but i wanted to make sure i wasn't being stupid and missing out on some loop hole

Paulgonnabedebtfree

hboogie wrote: »

i know, that was my first instinct, but i wanted to make sure i wasn't being stupid and missing out on some loop hole

I think Cambsgirl might mean YOUR post - not the one you allege that you received.
It's becoming astonishing how many people - usually with a post count of 1 - post these things here.
If you're not spamming then my apologies but you must admit it does look pretty suss.