Unenforceability & Template Letters II

terimon

Yes i have warned my parents and yes they do know my parents landline :embarasse. I never thought i would quite be going down this route.

It may be worth seeing what happens with my Virgin card and the CCA first.

terimon

What a mess!

terimon

Is it not worth trying once for a full and final settlement with NatWest? Then totally ignoring them.

never-in-doubt

terimon wrote: »

Is it not worth trying once for a full and final settlement with NatWest? Then totally ignoring them.

Paying a F&F will still result in default though - so why bother? See my point...?

But you do need to think and think fast (whatever it is you decide to do) but i'm saying it seems pointless arguing and threatening Natwest for the CC when you still have the bank and the MBNA card - it may be best to just CCA them all and then dispute it and ignore them until they send a copy of the original CCA (hopefully never lol)....

terimon

MBNA sent a CCA this morning. I ticked for (as my signature) it online. So i think its ok but to be honest dont have a clue.

I do see your point about F&F i just thought if you got them to send a letter saying it was F&F and satisfied that was what went on your CRA files.

Oh dear!

Wispa1

Hi NID & everyone else on this thread.

Just to let you know the advice on here is priceless and thanks for all your help. I have just sent the first lot of CCA requests & look forward to hearing back from them!!!!

Thanks again & I will keep you posted

terimon

Wispa1 wrote: »

Hi NID & everyone else on this thread.

Just to let you know the advice on here is priceless and thanks for all your help. I have just sent the first lot of CCA requests & look forward to hearing back from them!!!!

Thanks again & I will keep you posted

Agree Wispa the help (especially NID) on this site is amazing :T

bones2020

this is a really great and helpful topic
i never knew that ya could do any of this

i have 4 credit cards 3 payment plans and one with dca

plus 2 store cards can i still do this as by the step shown

lmclean100

terimon wrote: »

Yes i have warned my parents and yes they do know my parents landline :embarasse. I never thought i would quite be going down this route.

It may be worth seeing what happens with my Virgin card and the CCA first.

They can get their phone number changed and only tell the people you/they want to know their new number. I did this after getting lots of calls from creditors. Also we're ex-directory.

L

terimon

Spoke to MBNA offered them £4500 F&F settlement as long as my account and CRA are notified its satisfied.

Maybe a bad idea because the lady was rude and said 75% would be accepted,

Can i ask a question please NID is there any way you can get a F&F accepted that will end the account and see the debt satisfied or is this impossible.

The woman actually put the phone down on me!