Help with no signed credit agreement with Studio

katrina00uk

Flyboy152 wrote: »

Or is that just some people's wishful thinking, or their own misinterpretation of what the CCCS has advised?

Flyboy what is your problem. I only came onto this site for advice and why would I lie about what the cccs has told me to do.

Flyboy152

katrina00uk wrote: »

Flyboy what is your problem. I only came onto this site for advice and why would I lie about what the cccs has told me to do.

I have not accused you of anything, I was merely responding to another poster's general thoughts.

The sentence.....

.....as I've heard them give some very dubious advice in this area in the past

......was a general thought on regarding many people's previous queries and I responded:

Or is that just some people's wishful thinking, or their own misinterpretation of what the CCCS has advised

How is that accusing you of anything?

bargainbetty

Katrina,

Lots of people come here for help in paying their debts, and many of us feel strongly that if a debt is yours, you should pay it if you can. There is a thread running about prejudice against people with debt, and a big theme seems to be those who acknowledge the debts are morally theirs but look to get out of paying - that really rankles with those of us who went without to make sure we paid it all back. If you were advised to do this by CCCS, fair play, but it is up to you to do what is morally right as well as legally possible.

Perhaps they could provide you with a full statement of your account, and you could see what was spent on goods, and what was made up of interest and fees. You have the stuff. You should really pay for it. Offer a full and final settlement on what you asked for and received, but skip the fees etc, since you did not agree to them.

Good luck

I_know_my_ABC_and_my_CMYK

katrina00uk wrote: »

Well I just had my yearly review and they were going through the debts and they asked if I ever signed a credit agreement for studio and I said no so they told me to send them the request for it as if Studio do not have one then the debt is unenforceable.
I have not rang the cccs about this letter yet but will do later. Thought I would see if people could help me on here first.

So CCCS have now changed their opinion on this?

National debt line always had the opinion of not paying unenforceable debts but not CCCS.