"Write Off" your debt companies

moneyworry_2

Has anyone ever heard of this or used this company?

http://www.unfaircreditdirect.co.uk/

Jesthar

moneyworry wrote: »

Has anyone ever heard of this or used this company?

http://www.unfaircreditdirect.co.uk/

Nope, but from the look of it I'd say they were out to make money off people by charging for things you can do for free...

moneyworry_2

but how do you know what to look for with all these credit agreements? Apparently they Audit the agreement and find out if the debt is inforcable?

RAS

They check whether the debt is statute barred, ask for the Consumer Credit Agrement and then see whether what is sent back meets the requirements of the cONSUMER cREDIT aCT. - cost £2.

95% of that you can do on here with a bit of help from CAG.

Just to point out that the OFT has a warning out about these companies.

You can also check your charges and reclaim those - cost £11

They be useful is checking the more details charges but there are probably folk on CAG who could sort them out anyway.

If you need extra help, I suspect a £50 visit to a solicitor would be cheaper.

Jesthar

moneyworry wrote: »

but how do you know what to look for with all these credit agreements? Apparently they Audit the agreement and find out if the debt is inforcable?

You can do yourself, though, and for nominal costs as opposed to what these 'help' companies charge. And you can also ask for help and advice on here if you get stuck, which is free!

These companies are just after making money out of your money problems by pretending they can do things you can't, to the extent the OFT warns about them.

~Jes

10past6

Hi hung:hello:

Welcome to the forum

hungamo wrote: »

there is some clause in the consumer credit agreement were you can get car loans, secured mortgages & Credit Cards written off from the debt

If it was that easy there be no need for this forum, debts are NEVER written of unless:

a) the debtor dies

b) the debt is settled.

There are circumstances where if a CCA cannot be produced, then the debt may be unenforcable, again it depends on what type of debt it is.

If your family member is having debts problems, take a look at my signature

kingstallion

I have just read through all the info on this and was wondering if this is a step by step guide for the DIY approach to this:-

1. I write to the company (using a template letter) I have my loan/credit card with and ask them to supply me with a CCA
2. They have 14 days to reply to me
3. What they should send me back is a copy of my original signed CCA

Am I correct so far?

4. If they cannot supply me with my original signed CCA - does this then automatically mean my debt is unenforceable?
5. If they do send me a signed copy what do I look out for in the agreement that would make it unenforceable?

If I am correct so far... please could someone tell me what I would need to do next?

KS

Ames

There's a few long threads started by Stapely about this, once's called let's all ask for our cca and then there's the cca results one.

maz1964

hiya all

i had a leaflet drop from one of these companies and i gave it to trading standards when i visited them the other week, i think it was a local firm, cant remember but ts were interested in this

in very small print on the bottom it said they wanted money upfront for them to check out the cca and if unenforceable would then get all sorts of stuff sorted,

like others and im going to now go and check out stapley;s threads,

ive requested my cca,

some are illegible even ts agreed

some im now sending to fos for them to investigate as ive had my final letter from the creditor insisiting its okay

others im writing back as stuff is missing ie the back of the agreement, they will try all sorts believe me

so pls do not touch these companies, like ras has said have a look at CAG too im getting lots of legal stuff there and im learning all the time

do not be afraid, its your right to pay the 1.00 i send postal orders and do not sign your letters i use a sribble of a font off word and await to see what you get back

out of 5 so far, only 1 is the exact copy of what i originally signed and i have the original on this

take care and hope the above helps newbies ciao for now MAZ

prworksnow

i have been talking to someone today who says that i need not pay off my credit cards because of a chane to the cca. he wants me to pay him £495 for the first card and £25 each other card then up to £1000 when they are cleared.
i cant find a web site for justice 4 you - i am interested in doing this for free. has anyone any ideas please?
regards
prworksnow