a question on credit cards please?

essex_girl

can someone point me in the right direction where to look for details about if you took out a credit card agreement prior to April 2007 you may be able to get your card written off?? Any advice greatly appreciated. thanks.

debtdestroyer007

essex_girl wrote: »

can someone point me in the right direction where to look for details about if you took out a credit card agreement prior to April 2007 you may be able to get your card written off?? Any advice greatly appreciated. thanks.

hi mate send this letter to the creditors with a fee of £1 and they ll return ur credit agreement if they have, post it here and well check to suggest if it is unenforceable....all for free.

Dear Sir/Madam

Re:−


This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

I look forward to hearing from you.

Yours faithfully

orangetrader

Have a look at;
http://forums.moneysavingexpert.com/showthread.html?p=19540523&highlight=#post19540523

Also recommend CAG - loads of info there.

pre123

ive heard the main one is the EGG card??