Unenforcable Debt-HELP REQUIRED

never-in-doubt

Susie56 wrote: »

Actually it is going to be early February before the official judgment is handed down - but if you want to think its early January please carry on

Ok, great - whenever! So the press reports that suggest (which is all any of us have to go on) the 7th 'by a court official' is wrong The court official just told BBC that for no reason right?

bonsia8

i have just read these posts and I feel that people need to calm down... They can be read in many different ways, i thought the purpose of these forums was to be supportive of one another and help out when we can...

happymoneysaver79

michaelvintner wrote: »

If I hit trouble in the future then I will get onto them to try to come to an arrangment.

.

Good luck with that then!!!:rotfl::rotfl::rotfl:

Susie56

:rotfl:

never-in-doubt wrote: »

Ok, great - whenever! So the press reports that suggest (which is all any of us have to go on) the 7th 'by a court official' is wrong The court official just told BBC that for no reason right?

"Ok, great - whenever! ":rotfl::rotfl::rotfl:Sure why let the facts get in the way of a good story!!!


"Double decker bus found on mars,,,,,,,,,,,,,,,,,, Quote from the National Enquirer so it must be correct :rotfl::rotfl::rotfl::rotfl:

ManicMum

pay back what you owe. Yes, this forum is to help people but I think people are entitled to object when something is causing them offence.

jamesey07

good luck and try everything to not pay any of it back if you can

never-in-doubt

ManicMum wrote: »

pay back what you owe. Yes, this forum is to help people but I think people are entitled to object when something is causing them offence.

Ok, you have made your point. I think you need to realise there is no need to go trashing other peoples threads just cos you may disagree...... If we all done that then what a sorry state MSE would be in.

Just leave / ignore the threads you don't agree with. No need for this carry on

devils_advocate

Tartanjohnny wrote: »

Thanks for the replies. Like many people I’m just seeing if I can take advantage of legislation to try reduce my debt, Since taking the credit card with MBNA they have pushed the Interest rate up from 15.9% to 29.9%.

I complained the Ombudsman and MBNA offered me £695 off my debt and proved to me they take advantage of rules and regulations to make money. I just wanted to do the same to benefit me. It seems many people have used the CCA 1974 to have debt reduced I had hoped to do the same.

I'm sure that you understand that interest rates have a risk premium in them, to cover the chance of that person not paying back the principal. As you've admitted that you're trying to avoid paying the money back, can you really blame them from increasing the interest rate?

Rupert_Bear

jamesey07 wrote: »

good luck and try everything to not pay any of it back if you can

Quite right! This is a money saving site.:rotfl:

Rupert_Bear

Tartanjohnny wrote: »

UNENFORCABLE DEBT
Please can somebody help? I currently hold a Credit card with MBNA and I followed the forum advice and requested a copy of my CCA.
MBNA much to my surprise complied and returned some paperwork which they claim is my CCA. What they have returned to me is part of an application I completed on-line whereby a box was ticked as a signature. My first question is
Q. Does a ticked box count legally as a signed CCA, or does a CCA require a written signature.
MBNA also attached some information in the form of FAQ advising meme what will happen if i stop paying, which basically stated the debt is mine and there is nothing I can do to change that fact. They also attached some small print which appears to be a separate document entitled Credit card Agreement regulated by the CCA 1974. This document does appear to contain all the pertinent information required.
I suspect when I applied for the credit card I completed a credit card application, with no written signed agreement.
MBNA have obviously been inundated with requests for CCA’s and they have jazzed up an application into an agreement by attaching other paperwork so it looks like they have complied fully with the act.
Q. Under these circumstances do I have a case for the debt being unenforceable?
Q If I do have a case what is my evidence and how do I proceed?

Hope this all makes sense this is my first post I am new to all this

Not sure it was a wise move on your part. If MBNA get any idea you are trying to get out of paying then your interest rate will go sky high.