Bank cannot provide copy of Agreement....

Marvintheparanoidandroid

drbesty wrote: »

You took out a loan without knowing the interest rate or even how much you borrowed?

Of course I knew it when taken out FOUR years ago. I do not have the paperwork in front of me every second of the day!

Marvintheparanoidandroid

PNPSUKNET wrote: »

We should call this type of person a money digger

Not a troll, just someone looking for advice from people who might have more knowledge than myself because I genuinely feel like I was badly advised when taking the loan.

Perhaps you could think before posting smart-arsed comments.

ILW

Marvintheparanoidandroid wrote: »

Not a troll, just someone looking for advice from people who might have more knowledge than myself because I genuinely feel like I was badly advised when taking the loan.

Perhaps you could think before posting smart-arsed comments.

In what way were you badly advised?

StuTheDon

Marvintheparanoidandroid wrote: »

Thanks for the lovely comments, if I didn't have 30K debts and close to going bankrupt I would happily pay it back. I do not wish to simply avoid my responsibility - just trying to make a new start. I have no interest in gaining more credit as I have learnt from my mistakes. You never made mistakes?

Marvin - at this risk of this descending into a moral debate, your post very much gave the impression that you are looking to avoid payment on a technical point.

I am sure you are a good person who acknowledges their responsibilities, I am simply trying to point out the consequences of this route. Even if you get it ruled unenforceable, the point is you will not get affordable mainstream credit again for a very long time.

I am not sure why you have £30k of debt, but the facts are it exists and you need to deal with it and have the best possible outcome.

Common_Sense_2

Marvintheparanoidandroid wrote: »

Thanks for the lovely comments, if I didn't have 30K debts and close to going bankrupt I would happily pay it back. I do not wish to simply avoid my responsibility - just trying to make a new start. I have no interest in gaining more credit as I have learnt from my mistakes. You never made mistakes?

Your responsibility is to pay back the loans that you took out.

You've now benefitted from taking the loans, now you need to pay them back.

making a new start should entail paying the loans off and then not getting into debt in the future.