Frightened about my future

never-in-doubt

jinny wrote: »

ooooh you are walking on thin ice there niddy lad
but you knew some wifey would bite didnt you?

.......... :silenced::silenced::silenced:

jinny

go and stand in the corner for the rest of the day-naughty lad!!!!

jinny

well i suppose i should let you of with that seeing how you'e helping us

jinny

Morning everyone have a goodun off to work soon see ya later :wave:

dunclane

never-in-doubt wrote: »

Save your energy, it will be unenforceable - 99.9% guaranteed!! But yea, send the CCA Request off, however you'll get defaulted so if it is your only card then i'd strongly suggest you do not pursue unenforceability as it will ruin your credit file.

So will they default me even if I continue payments?? Its not my only card its the largest balance, my credit file is bad but only 1-2 late payments maximum. Im not defaulting on anything but things are a struggle TBH.

savingwannabe

Hello all, and honeymonster.

There are lots of nice people on this thread. I hope things get better for you.

NID are you still standing in the corner? Oh dear.

Have a good day all, back at 1pm ish.

:j

never-in-doubt

savingwannabe wrote: »

NID are you still standing in the corner? Oh dear.

Have a good day all, back at 1pm ish.

:j

Hi SW - yea, Jinny told me off so am stood here with a big hat on (pointed) with the letter "D" in the middle...... :think::think:

dunclane

mouseann wrote: »

Thanks Dunclane,

Please do let us know how you get on!

But Niddy is right about the default - if you have my thread you have probably realised that I have very little to use (including my reputation) which is why I am going down this route! Don't want to repeat the story yet again!

One of my many cards was a Morgan Stanley, which was acquired by Barclaycard. When I asked for the CCA they sent me a signed application form with all the details (including bank accounts!) of another person who happened to have the same last name as me. With the help of Niddy, I wrote to the and am still waiting their reply. I am quite interested to knowwhat they say!

Good luck and let us know when / if Barclaycard respond!

savingwannabe

Well i am a teacher and i give you permission to have a laugh whilst you are saving the planet. So take hat off and have a giggle at the politicians.

I saw so many defaced political posters yesterday. It made me laugh. I am glad people are so clever.

:j

pixiechick_2

Morning all

I wonder what today will bring....well the early hours of the morning when the votes are counted.
I'm still undecided who to vote for, I'd like to 'pick and mix' policies from different parties. But if NID was standing for election it would be a landslide for him!!!