Unenforceable credit agreement

spa_doctor

Thanks Brightonman, will fill in the details when i get then tomorrow and update if any problems etc...

spa_doctor

king100 wrote: »

I would have charged you half that to write 4 letters.

2 to SAR them, 2 more to tell them to stick it.

Doesnt need to go anywhere need court unless they took to you to court. Your defence would be sent back that they dont have a valid agreement. End Of.

You wouldent get near a court.

Thanks King100, not being in the money or legal game, i wouldn't know where to start, now ask me about hot tub and it's a different matter...

the_insider

Just out of curiosity, how far would that £800 have gone toward paying off the cards?

spa_doctor

the_insider wrote: »

Just out of curiosity, how far would that £800 have gone toward paying off the cards?

about 8% of the debt

lauram613

Have been dealing with company called delete.co.uk who said they could get rid of my cr card bill I have ended up with a bill for over £900 after i was assured there would be no charge I cannot get through to them and am getting constant hassle from my credit card company demanding payment Its a nightmare as delete have told me not to pay anything to my card Iwould not recommend them

spa_doctor

lauram613 wrote: »

Have been dealing with company called delete.co.uk who said they could get rid of my cr card bill I have ended up with a bill for over £900 after i was assured there would be no charge I cannot get through to them and am getting constant hassle from my credit card company demanding payment Its a nightmare as delete have told me not to pay anything to my card Iwould not recommend them

in highnsight Lauram, it's not a great thing to do as if you do get an unenforceable debt, you still have to pay it unless you can cope with a bad credit rating...

nomad9946

Of course 2 x £399 could have made great inroads to the debt and no defaults...........

Clive

Budner

spa_doctor wrote: »

Hi all,

I have now had one of my credit cards deemed by the court as unenforceable, great i though! :j

only, where does this now leave me?
the Debt is still there and owing, only the lender can't take me to court now, big cheese, i can still get a bad credit reference as non payment will go down on my record and late or non payment....

what's my next step?
i see many people are asking is it a scam etc, the company i used managed to get one of my cards through (Alliance and Leicester MBNA) but not another (MINT)

can anyone help, has anyone got an unenforceable card they are not now paying???

It leaves you as a leeching parasite. You spent their money, pay it back