advice on writing off credit cards pre-2007

dave_curtis

hi, i'm always getting phone calls and e-mails about writing off the balance of my credit cards but although they are a lot to me they aren't a lot to them so they can't take my case on. but they do say i can get the balances written off.

can anyone give me advice on this or point me in the right direction so i can tackle it myself?

_Andy_

Yes, use the search facility or browse the boards, numerous threads already.

dave_curtis

Strangely enough I had thought of that. Unfortunately a million threads come up for anything I search for none of which are of any use.

But thanks.

simon_templar_2

If none of the threads were any use then dont you think that tells you something?

never-in-doubt

dave_curtis wrote: »

hi, i'm always getting phone calls and e-mails about writing off the balance of my credit cards but although they are a lot to me they aren't a lot to them so they can't take my case on. but they do say i can get the balances written off.

can anyone give me advice on this or point me in the right direction so i can tackle it myself?

To learn all about Unenforceability read this: http://forums.moneysavingexpert.com/showthread.html?t=1868507

Do not pay a company to do it for you - if it can be done then it can be done for £1 only if the agreements are dated prior to April 2007. If so, send the CCA request to each lender.

There is help out there but remember this is a contentious issue and as such you will get people coming out with smart comments, best to ignore them

dave_curtis

thanks mate

simon_templar wrote: »

If none of the threads were any use then dont you think that tells you something?

er... yeah it tells me that none of the threads are on the right subject and since i didn't know that the right search keyword would be 'unenforcability' i'd be better off asking. little did i know that so many people on this website are determined to be UNhelpful.

michaeldc

i agree, terrible for a saint to be acting in such a way...

sharpy2010

dave_curtis wrote: »

thanks mate



er... yeah it tells me that none of the threads are on the right subject and since i didn't know that the right search keyword would be 'unenforcability' i'd be better off asking. little did i know that so many people on this website are determined to be UNhelpful.

Like N-I-D says, this is a contentious issue and not everybody agrees with what you want to do. That is why you have received quite a few unhelpful posts.

ILW

dave_curtis wrote: »

can anyone give me advice on this or point me in the right direction so i can tackle it myself?

I believe sending a cheque for the oustanding balance usually works.

97trophy

ILW wrote: »

I believe sending a cheque for the oustanding balance usually works.

hahahahaha!

never-in-doubt

ILW wrote: »

I believe sending a cheque for the oustanding balance usually works.

It would only be an outstanding balance if the lender could provide a CCA though, so who is to say that there is anything owed at all?

I know, lets say I suddenly ring you and say - ILW, please send me a cheque for the debt you owe me for £805.97. You'd immediately ask me to prove that you owed me - right?

I rest my case