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Change in consumer act meaning you don't have to repay?

vickieh1981
vickieh1981 Posts: 35 Forumite
in Credit cards
I just got a phone call saying that the credit consumer act was changed and that any agreement taken out before 2007 you may not have to pay back as they breech this agreement or something.

They say they can claim it for me so I don't have to pay the balance of my credit card etc. The company is called consortium

They have asked for my credit card details. I am wary of giving this out over the phone really although they directed me to the .gov.org website showing they are a registered company with them - that could be faked though right?

Does anyone have any knowledge of this? I asked them to call back in an hour for the details.
«13

Comments

  • ILW
    ILW Posts: 18,333 Forumite
    I thought these scams had gone away.

    If you give them your card details you will get conned.
  • life_in_termoil
    life_in_termoil Posts: 1,036 Forumite
    Ive just had a phonecall of them too!! Must be on a telephone drive. I told them to bog off! x
    Sealed Pot Challenge member #982
    In 2012 I pledge to:- Save £1 a day, meal plan, be more organised, have NSDs, set myself a budget AND STICK TO IT, throw all loose change into Sealed Pot and not open it till 29th November.:money:
  • life_in_termoil
    life_in_termoil Posts: 1,036 Forumite
    There is nothing that they can do for you that you cant do yourself!!! Lots of useful info on here and theres even the template letters.
    Sealed Pot Challenge member #982
    In 2012 I pledge to:- Save £1 a day, meal plan, be more organised, have NSDs, set myself a budget AND STICK TO IT, throw all loose change into Sealed Pot and not open it till 29th November.:money:
  • ankspon
    ankspon Posts: 2,371 Forumite
    You really gave them your card details,really?I'm sorry but that is just a no no.
  • vickieh1981
    vickieh1981 Posts: 35 Forumite
    davidhwdn wrote: »
    You really gave them your card details,really?I'm sorry but that is just a no no.

    Read the thread - I DIDNT give them my details. I came here and asked
  • MackemPunk
    MackemPunk Posts: 342 Forumite
    Also Government websites are gov.uk NOT gov.org
    If at first you don't succeed, maybe bomb disposal isn't the best career choice.
  • nomoneytoday
    nomoneytoday Posts: 4,871 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I'll do it for you, if you give me £499 ;)
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    It's a scam designed to fleece money out of you. Yes, some pre 2007 agreements are unenforceable if the agreement didn't include the correct prescribed terms or wasn't signed, but CAB or a free advice session with a solicitor can check this for you for free, and give further advice if needed.
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • vickieh1981
    vickieh1981 Posts: 35 Forumite
    MackemPunk wrote: »
    Also Government websites are gov.uk NOT gov.org

    My bad - it was justice.gov.uk

    So basically you can or can't claim back? If its easy I will do it myself like we did with PPI
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    vickieh1981 wrote: »
    My bad - it was justice.gov.uk

    So basically you can or can't claim back? If its easy I will do it myself like we did with PPI
    It's not about claiming back. If you can prove it's an unenforceable credit agreement then it's basically that, unenforceable. Basically it means they can't pursue you through the courts. It doesn't write off the debt, it just means they can't chase you for it.
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
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