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

vickieh1981

hello2007 wrote: »

I have gone down the unenforceabilty route myself and I have managed get the accounts closed that were clearly unenforceable so it is not a waste of time.

I did this as a last resort because I had dealt with DCAS for years over the debts and they were being very unreasonable. They were making my life hell and unenforceability help me to get out of the mess. I had to write alot of letters and put up with threats from the DCAS which I knew that they could not carry out because they did not have the CCAS.

If you have defaults on your credit files then you have nothing to lose because you have already be defaulted for the next 6 years. However if the debts are with the orignal creditors not the DCA then I would not do this as they may have the CCAS. As your debt is only £800 then unenforceability might not be a good idea for you.

No I don't have any defaults on my credit at the moment - I have really good credit.

hello2007

The accounts that I requested the CCA for was already defaulted for six years and sold to DCAs. It was off my credit file so it did not affect me when I request the CCAs.

If your accounts are in order then I would not requested the CCAs because it will destroy your credit for six years.

joedenise

I had a call from these people a couple of days ago. I let the girl prattle on and then said "I don't have any debts".

Don't think she was expecting to hear that!

Denise