We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
they have lost my CCA - what now
Comments
-
When did you take this card out?Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
bump - apologies for the length of the scvanned document0
-
Hi 10 past, sorry I missed your question earlier. 8th Jan 080
-
Hi
Are any of the accounts concerned taken out prior to April 2007, as they are the ones for which there is legal precedent.If you've have not made a mistake, you've made nothing0 -
As per RAS post, do you have any agreements take prior to 2007?indebtbigtime wrote: »8th Jan 08Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
Nothing there to suggest that you took out the card?
That could just be random T&C's for any card.
Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
hi guys
yeah apart from this account all my debts were incurred prior to april 2007
10past6 I think it was gave me some good advice of dealing with 1 at a time, as I now have T'S AND C'S everywhere.
before I move on to Lloyds (2005) Credit Card, is the general view that for H'fax even though there is nothing to prove I have taken the account and it is just random t's and c's, ont he basis the experien report says jan 08 I shuld accept this one, and crack on and pay?
cheers0 -
Those are what we need to viewindebtbigtime wrote: »yeah apart from this account all my debts were incurred prior to april 2007
Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
You need some sort of evidence that these T&cs relate to an account you owe, not just some ramdom t&cs. But do not stop paying this one yet.If you've have not made a mistake, you've made nothing0
-
ok here is the lloyds one
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.4K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604.1K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards