credit card reclaim

blaney40

Hi all, I've received a call from a company called "cancel your loan" stating that for a fee of £195.00 per card they can possibly write off my credit card loans as long as I took the card out before April 2007. Could you guys please advise whether this is a scam or whether I could be holidaying in the Maldives if this is true?
Thanks

never-in-doubt

then bin it and read the existing threads first, or read any newspaper or website and you'll see THESE SCAM COMPANIES ARE A CON!

I'll do it right now for you at £100 per card! lol

read the threads before posting more junk - must be over 30 posts the same each day! Do newbies never read?

Francesanne

I'd forget the Maldives and use that £195.00 towards paying off your credit card bill.

never-in-doubt

Francesanne wrote: »

I'd forget the Maldives and use that £195.00 towards paying off your credit card bill.

Why - in your opinion maybe but did the OP ask your opinion - I never seen him ask for it??

Francesanne

never-in-doubt wrote: »

Why - in your opinion maybe but did the OP ask your opinion - I never seen him ask for it??

Maybe he didn't but believe my advice is sound. Appreciate not everyone likes constructive advice but it's a free World and we can all voice our opinions.

never-in-doubt

Francesanne wrote: »

Maybe he didn't but believe my advice is sound. Appreciate not everyone likes constructive advice but it's a free World and we can all voice our opinions.

Yea you can but evidently the OP wants to consider unenforceability so why thrust 'repayment' back at him? He doesn't legally have to pay if it is unenforceable - that is all i'm trying to point out. Too many people on here slag off unenforceability and cry 'pay it back - you owe it' but they forget, you don't owe anything if a debt is unenforceable (well you don't owe in in the respect of having to pay it).... so yea, if the OP owes £10k and wants to go on jollies as opposed to paying then great - i'm all for it.

If he decides to pay, great - i'm all for it. Whatever he decides is good enough advice - not thrusting a guilt trip at him.

p.s your advice is sound lol - i'm just having a mid afternoon rant ;-)

victor-meldrew_4

never-in-doubt wrote: »

yea you can but evidently the op wants to consider unenforceability so why thrust 'repayment' back at him? He doesn't legally have to pay if it is unenforceable - that is all i'm trying to point out. Too many people on here slag off unenforceability and cry 'pay it back - you owe it' but they forget, you don't owe anything if a debt is unenforceable (well you don't owe in in the respect of having to pay it).... So yea, if the op owes £10k and wants to go on jollies as opposed to paying then great - i'm all for it.

If he decides to pay, great - i'm all for it. Whatever he decides is good enough advice - not thrusting a guilt trip at him.

P.s your advice is sound lol - i'm just having a mid afternoon rant ;-)

:t:t:t:t:t:t

victor-meldrew_4

victor-meldrew wrote: »

:t:t:t:t:t:t

well said.........
dont know what went wrong there

blaney40

never-in-doubt wrote: »

then bin it and read the existing threads first, or read any newspaper or website and you'll see THESE SCAM COMPANIES ARE A CON!

I'll do it right now for you at £100 per card! lol

read the threads before posting more junk - must be over 30 posts the same each day! Do newbies never read?

So sorry to have offended. I had a free afternoon today as I normally DON'T have time to sit around reading all day, nor have a job which permits this as you obviously have (how sad! you must be so bored to have time to respond so quickly to at least 30 posts of junk a day!!!). Maybe you could be a little more welcoming to us "newbies" and signpost intead of being downright offensive!

never-in-doubt

blaney40 wrote: »

So sorry to have offended. I had a free afternoon today as I normally DON'T have time to sit around reading all day, nor have a job which permits this as you obviously have (how sad! you must be so bored to have time to respond so quickly to at least 30 posts of junk a day!!!). Maybe you could be a little more welcoming to us "newbies" and signpost intead of being downright offensive!

LOL, try reading my posts I think you;ll find i'm actually very very helpful....... ...................Anyone want to vouch or dispute this? Please feel free :rotfl:

If you want to know what to do next, with respect to your problem read this:

http://forums.moneysavingexpert.com/showthread.html?p=20459909#post20459909

This will show you what to do and what to expect - of course, assuming you want my help (the saddo's help lol). Whilst we do not mind helping we do expect you to at least search the fist page of threads - if you had you'd have seen plenty of similar questions.....

:rotfl:

Francesanne

never-in-doubt wrote: »

Yea you can but evidently the OP wants to consider unenforceability so why thrust 'repayment' back at him? He doesn't legally have to pay if it is unenforceable - that is all i'm trying to point out. Too many people on here slag off unenforceability and cry 'pay it back - you owe it' but they forget, you don't owe anything if a debt is unenforceable (well you don't owe in in the respect of having to pay it).... so yea, if the OP owes £10k and wants to go on jollies as opposed to paying then great - i'm all for it.

If he decides to pay, great - i'm all for it. Whatever he decides is good enough advice - not thrusting a guilt trip at him.

p.s your advice is sound lol - i'm just having a mid afternoon rant ;-)

Sorry just don't have time for those who try to wangle their way out of paying back what they owe. You borrow the money, you spend it, you PAY it back. 3 easy steps. I know this isn't popular with some people but if you don't like the terms, don't take the money. Don't take the money and then try and wriggle out of paying it back.