Unenforcable Credit Agreements

itsgottogetbetter

Hi.. I know a couple of other people have posted about this but am still confused...

I have cc with MBNA, Egg and Capital One and a loan with Natwest all taken out before 2007... Is there anyway I can claim some money back/. Has anyone here tried? I would like to be able to also try and negiotate full and final settlement figures.. Is it worthe doing the Credit agreement thing first??

Thanks in advance...

Tixy

Definatley worth doing a CCA request if you are planning a F&F settlement. If they can't produce one they will nearly accept a lower fee.

Are your debts with the original creditors or with DCAs? If with DCAs your CCA request should go to them.

itsgottogetbetter

I am doing it myslef... all payments are up to date and I even paid a bit extra off one thsi month... Do i just send the letter template that says I do not acknowldege the debt?

Then if they reply say I want a final figure... am just confused about what order to try this in...

Thank you again...

Tixy

First just send the CCA request - here is one version of the template - http://forums.moneysavingexpert.com/showpost.html?p=11636295&postcount=8,

then wait 14days to hear from them. If you get a response post it back here, if not then send the 12+2day letter out.

(If it turns out they can't find a CCA, or its not enforceable that would be the time to consider final settlements - there is a template to make a F&F offer when the time comes.)

babyellis

can anyone help me? I haven't got a clue how to post a thread on here i'm so frustrated with it i'm almost on the verge of crying. babyellis.
sorry if i've posted this where I shouldn't have.

wornoutmumoftwo

babyellis - just click on new thread in the forum you want to post in, type away and someone will be along to help you.

mollypolly

babyellis wrote: »

can anyone help me? I haven't got a clue how to post a thread on here i'm so frustrated with it i'm almost on the verge of crying. babyellis.
sorry if i've posted this where I shouldn't have.

Hi.
To start a thread...

Click on Forum on the blue bar above....then click on whichever forum you want to do a thread on ie....Credit cards...
Then click on New thread just under the blue bar and to the left.

Not very good at explaining things.
Hope this helps.
Good luck
Love Mollypollyxxxx

Tixy

Hi Babyellis, welcome

The new thread button should be really prominent but I didn't see it at first and I know others have missed it also. It looks like this



but if you want a new thread in the debt free wannabe board (and its a good board to choose!) click on this link below and it will start one for you.
http://forums.moneysavingexpert.com/newthread.html?do=newthread&f=76

mollypolly

Tixy wrote: »

Hi Babyellis, welcome

The new thread button should be really prominent but I didn't see it at first and I know others have missed it also. It looks like this



but if you want a new thread in the debt free wannabe board (and its a good board to choose!) click on this link below and it will start one for you.
http://forums.moneysavingexpert.com/newthread.html?do=newthread&f=76

I knew someone would be able to do it better LOL:D

DarkConvict

This is a good topic to read on going down the CCA route , Unenforceability & Template Letters