advice please

jamieT_3

need a bit of advice
i applied for my credit card and bank charges ect from lloyds and they sent me over 300pages going right back to 1999 and also a letter ontop stating that all my loan agreements ect with signatures were there but they have missplaced my signed agreement for my credit card can i make a claim to write off the balance as they havent got all the relevant documents???

PointEffect

No. People think just because a company hasn't got a credit agreement, that they can just not pay the debt. You spent the money, so pay it back. If you try and get out of it because they haven't got a credit agreement, don't expect your credit rating to stay intact.

jamieT_3

PointEffect wrote: »

No. People think just because a company hasn't got a credit agreement, that they can just not pay the debt. You spent the money, so pay it back. If you try and get out of it because they haven't got a credit agreement, don't expect your credit rating to stay intact.

not worried about credit rating as its total crap at the mo due to being on verge of going under and missing payments all over the place i was just asking would it be possible to do??