Unenforceable Credit Agreements

aj2703

Simple backward is that he best you've got.. Get a life you sad freak. The point of these forums is to answers people questions, if you can't keep your comments geared to the actual question being asked without going on the moral high ground then then as i've said before SHUT UP (moron).

PROLIANT

PROLIANT wrote: »

Your friend would have signed the credit agreement electronically on line, the debt is enforceable.
Why this particular question may I ask?

Question answered in first reply.

aj2703 wrote: »

Simple backward is that he best you've got.. Get a life you sad freak. The point of these forums is to answers people questions, if you can't keep your comments geared to the actual question being asked without going on the moral high ground then then as i've said before SHUT UP (moron).

aj2703

yes with the oh here we go again, WHY THAT QUESTION MAY I ASK last line. Cause he would have said he's looking for a way to reduce his debts.

Then we would have had the usual dribble from you about facing up to his debts and paying them etc etc etc etc etc etc ~Yawns~.

I mean it dosen't matter to the likes of you if wether the agreement is legaly enforcable, all you are looking for is the excuse to have a go and preach how hard done by etc YOU are but you still paid your debts. Quite frankly your tiresome and most of your comments arn't helpfull in the slightest. Infact most of them are negative.

My advice (Get A Life).

@ StarM

First off i think you should find out how old the agreement actually is. I think most agreements prior to 2007 you can challenge because certain parts of the agreement that should have been included wern't therefore making them unenforceable. My knowledge however is very limited on this as i'm in the middle of questioning this with a credator of mine as we speak. My advice do some more research on this site, there have been 100's of posts concerning this and i'm sure you'd find something.

PROLIANT

aj2703 wrote: »

yes with the oh here we go again, WHY THAT QUESTION MAY I ASK last line. :think: Cause he would have said he's looking for a way to reduce his debts.

aj2703 wrote: »

Then we would have had the usual dribble from you about facing up to his debts and paying them etc etc etc etc etc etc ~Yawns~.

:whistle:

aj2703 wrote: »

I mean it dosen't matter to the likes of you if wether the agreement is legaly enforcable, all you are looking for is the excuse to have a go and preach how hard done by etc YOU are but you still paid your debts. Quite frankly your tiresome and most of your comments arn't helpfull in the slightest. Infact most of them are negative.

No, the comments are viewed as negative because they don't support your cause and promote deception - by the way I have very little debt now as I have worked my way out of it and still maintained a good credit rating along with good integrity. People like you will be credit suspended during and roughly 6 years after the recession because you chose not to repay your creditors, while hardworking "honest" guys like me and many others on MSE will be enjoying the rewards of being out of debt (or having very little), having access to credit facilities, not losing sleep over defaulted accounts and worrying about debt collectors knocking at my door.

aj2703 wrote: »

My advice (Get A Life).

I have one thanks - and a secure job.
I also have two unemployment insurance policies that will cover me in the event of me being made redundant so I can pay my creditors etc.:think:

My advice(Find a backbone)

aj2703

PROLIANT wrote: »

No, the comments are viewed as negative because they don't support your cause and promote deception - by the way I have very little debt now as I have worked my way out of it and still maintained a good credit rating along with good integrity. People like you will be credit suspended during and roughly 6 years after the recession because you chose not to repay your creditors, while hardworking "honest" guys like me and many others on MSE will be enjoying the rewards of being out of debt (or having very little), having access to credit facilities, not losing sleep over defaulted accounts and worrying about debt collectors knocking at my door.


I have one thanks - and a secure job.
I also have two unemployment insurance policies that will cover me in the event of me being made redundant so I can pay my creditors etc.:think:

My advice(Find a backbone)

LMAO as i've already said the usual dribble relating to yourself. Just can't help yourself can you. (muppet).

Now unlike you i can shut up. I've said all i have to say and will not be commenting anymore (got better things to do) see ya.

NickX

To the OP, you have opened up the usual can of worms with this question and the usual suspects have appeared looking to tell you that the debt should be paid back from a moral point of view. This is a personal decision that only your friend can make.

You are not going to get a sensible response on here as to whether the debt is enforceable.

However, if no CCA can be supplied then it is definitely not enforceable. If they can supply a CCA but you wish to challenge it I suggest that you have it checked by an expert. The CAB (Citizen's Advice Bureau) may do this for you if the debtor is suffering financial hardship. Otherwise I would find an experienced solicitor and pay a consultancy fee to get his\her opinion on whether you have a case. I know this will cost, but at least your friend will known whether it is worth continuing down this route.

Also worth checking out the Consumer Action forum, they seem more geared up to unenforceable agreements over there and you will probably get more practical advice rather than moral debates. Good Luck.

Robert_Sterling_3

aj2703 wrote: »

YAWNS the same old people moaning and being self riteous. If you can't answer the actual question without having a dig then SHUT UP.

Yes. Mind your own business when people are trying to scam money.

Robert_Sterling_3

aj2703 wrote: »

Simple backward is that he best you've got.. Get a life you sad freak. The point of these forums is to answers people questions, if you can't keep your comments geared to the actual question being asked without going on the moral high ground then then as i've said before SHUT UP (moron).

Hear hear. Leave the moral high ground to honest people if you know any. :eek: :eek: :eek: :eek: :eek:

System

Just out of curiosity, does anyone have any evidence that the whole un-enforceability thing has paid off for anyone? i.e. any court successes, precedents set, personal experiences?

I know that there are many varying opinions / moral stances but I'm not really interested in them, just whether anyone can actually say they've had success with the process - I'm yet to hear of anyone.

I cant help thinking as well that the whole thing will completely trash your credit rating?

Any experiences welcome.....

Regards
UNDERGROUND

Norfolk_Jim

Yes, of course it will trash your credit rating. By the time you reach this point you should realise that chances are you are completely unsuited to handling credit. My personal opinion is that no one should go down this route unless they are desperate and cant pay, as opposed to banktruptcy per say - and either way your credit will be trashed - after all, who would want to lend to someone who does not repay them, no matter what the technicalities. I make no judgement about you or your motives, you'll find more testimonies to this matter on the CAG boards and often they'll be titled Fred Bloggs Vs Egg or something along those lines. Its clearly not a quick or painless process.