write off credit card debt

never-in-doubt

dude48 wrote: »

hello please can i ask for some advise i have been told by a company that i have some unenforceable cards they have passed my details on to a solicitor to to whatever it needs ! i am worried about signing paper work as dont understand it all could i ask the company to return everthing and try to do it myself

Save your time and sanity - the company will be out of business soon enough (what with the recent ruling lol) - time to do it yourself for a whole £1....:D

Unenforceability & Template Letters II

GroundhogBabe

Has anyone sent any of these letters and either had a good result i.e. debt written off, or a bad one, i.e the credit card company start harassing you to clear more than you can afford? It sounds a bit too good to be true......I am trying to clear a £10k credit card and the bank who own the card are being incredibly unreasonable by not allowing me to convert my borrowing to a loan with a more favourable rate, and are currently charging me £200 per month as a minimum repayment just to keep the actual balance at the same amount. I really want to reduce it but can't afford to pay more and would be grateful for any advice.

Yours hopefully....

never-in-doubt

Yes 100's are successful but its not something that is 'cleared' it is either unenforceable or it isn't. You should consider a payment plan, speak to them again and if they won't help then look to move lenders.

Most recent success story (Proof) is below:

chrisrzr wrote: »

Last week i got a letter from Lovells saying original lender no longer have the CCA because it was so old and they would not be perusing me for the £7600 debt - I nearly fell off the chair!!!

So I wanted to say a big thank you to NID for the fantastic and consistent advice and to everyone who has posted