Credit card question

sophiak

I have received a letter from my credit card company which was in reply to my CCA, they have written saying that they are unable to forward me a copy of my agreement and have sent me 5 pages of terms & conditions.

I applied for this card on-line in Sept 08 and ticked the box as my signature.

My question is that to make it enforceable do they have to supply with a copy of my agreement with the box ticked showing? Because all they have sent me is terms & conditions, my details are not on them

hur575

This has to be the most asked question EVER!!!!

sophiak

Thanks hur575,

So what is the answer to most asked question please?

nzseries1

You will most likely find the answer here, where this topic has been thrashed to death:
http://forums.moneysavingexpert.com/showthread.html?t=1400177

sophiak

Thanks nzseries1 for your help!

hur575

sophiak wrote: »

Thanks hur575,

So what is the answer to most asked question please?

shorter thread here with right info good luck!

http://forums.moneysavingexpert.com/showthread.html?t=1451721

sophiak

Thanks hur575,

Very useful info there. Obviously my credit card company are unable to send me a copy of my agreement and therefore it is unenforceable. I have been paying regularly and I am not behind with payments or in default.

I will however write and propose to them to freeze interest and refund a few charges of £12.00 then continue to pay off what I can afford each month.

poppy_f1

you applied for the card, spent the money so why not pay it back

Swans1912

poppy_f1 wrote: »

you applied for the card, spent the money so why not pay it back

What are you crazy?!! Never heard such a silly idea! :eek:

:rotfl:

Moggles_2

Have you tried asking your provider to reduce the interest rate? If you asked the lender to freeze your interest, your credit rating would take a hammering and that would affect your finances for years. While you're meeting the minimum payments, your credit worthiness remains unaffected.

Have you considered applying for a 0% balance transfer? To keep minimum payments low and maximise the 0% period, 16 months is currently available to new customers from Virgin. There's a 2.98% handling charge.

http://uk.virginmoney.com/credit-card-v3/

Alternatively, if the above is not an option, you may be able to reduce your costs using credit cards you already hold. For details, see Martin's *Credit Card Shuffle*article.

http://www.moneysavingexpert.com/car...-card-interest

TBH, it's in your interests to work out a payment schedule in order to pay it off as quickly as possible, rather than rely on the credit card company to impose a schedule.

You may want to post again on the *Debt-Free Wannabe* board. You'll get lots of advice and support there.;)

http://forums.moneysavingexpert.com/forumdisplay.html?f=76

sophiak

Thank you poppy_f1 for your blunt reply but I do not mention anywhere that I would not be paying back!

Thanks moggles but about my credit rating I think as things stand today almost everyone's credit rating has/will/is taking a hammering. That is the least of my worries,

I have every intention of paying back and have rang them an hour ago and they have agreed to freeze interest, thanks for all the help.