Full & Final Offer Amounts?

Cherryjack

happy_bunny wrote: »

Fatbelly answered the statute barred below, but not really applicable as you have been paying each month.

Worth asking for a copy of your CCA via the standard template letter, as I believe pre 2007 they were flakey if the existed at all. My account was 90s and never signed one. Did you?

Difference this makes is worst they can do is default you, can't get a CCJ without one. I found this makes them more willing to be reasonable when listening to offers.

Hi Happy Bunny, definetly didnt sign a CCA.. thats interesting to know.. no CCJ's yet on my account just 3 Defaults :-/ put on in 2010.. the catalogue havent defaulted me.. credit report shows as arrangement x

nolongerindenial

happy_bunny wrote: »

Fatbelly answered the statute barred below, but not really applicable as you have been paying each month.

Worth asking for a copy of your CCA via the standard template letter, as I believe pre 2007 they were flakey if the existed at all. My account was 90s and never signed one. Did you?

Difference this makes is worst they can do is default you, can't get a CCJ without one. I found this makes them more willing to be reasonable when listening to offers.

Ooh that could really help me actually... one of my creditors(egg) dating back to 2004 is being a bit shirty about taking anything but the full amount - I dont recall signing anything.

Thanks

Cherryjack

nolongerindenial wrote: »

Ooh that could really help me actually... one of my creditors(egg) dating back to 2004 is being a bit shirty about taking anything but the full amount - I dont recall signing anything.

Thanks

They have sold my card to barclays bank now.. has yours done the same?

happy_bunny_2

worth asking for the CCA then.

If you didn't sign one, they will probably send some drivel and a copy of a current one that applies to the account. if in any doubt with what they send you, post back on here for advice.

Thats what they did with me.

QUOTE=Cherryjack;48640785]Hi Happy Bunny, definetly didnt sign a CCA.. thats interesting to know.. no CCJ's yet on my account just 3 Defaults :-/ put on in 2010.. the catalogue havent defaulted me.. credit report shows as arrangement x[/QUOTE]

Cherryjack

happy_bunny wrote: »

worth asking for the CCA then.

If you didn't sign one, they will probably send some drivel and a copy of a current one that applies to the account. if in any doubt with what they send you, post back on here for advice.

Thats what they did with me.

QUOTE=Cherryjack;48640785]Hi Happy Bunny, definetly didnt sign a CCA.. thats interesting to know.. no CCJ's yet on my account just 3 Defaults :-/ put on in 2010.. the catalogue havent defaulted me.. credit report shows as arrangement x

[/QUOTE]

Thank you

nolongerindenial

Cherryjack wrote: »

They have sold my card to barclays bank now.. has yours done the same?

Yes!

Although I think my account has long been sold to the devils dca