Very Catalogue Advice please

jo-bo

geministar2008 wrote: »

mellbell i pm 'd you. thanks for everyones thoughts. seems i have been rather silly but need to get around it somehow, ill have more buy later coming to an end later in the year! and concerned i cannot afford the charges and so on oh dear!

i didnt sign a credit agreement do i have a leg to stand on?!

How long have you had the account?
Can you sell any of the items you've purchased to raise some money?

If you don't pay on time you are really going to start trashing your credit rating.

geministar2008

only about a yr and a half, not really no. yes i know. not a good situation! Just gonna have to do my best to clear what i can i guess! Unless there is anyway of getting around the interest. i didnt sign a credit agreement i had one sent to me but i never sent it back, so can i go down that route?! and see if i can wipe the debt?

melbell

geministar2008 wrote: »

only about a yr and a half, not really no. yes i know. not a good situation! Just gonna have to do my best to clear what i can i guess! Unless there is anyway of getting around the interest. i didnt sign a credit agreement i had one sent to me but i never sent it back, so can i go down that route?! and see if i can wipe the debt?

You wouldn't have got goods if you didn't send it back You get 2 maybe 3. You would have been in D status which is refer for decline order. Once it was received a note on QH (Back office system) saying CCA RECEIVED then your account set to either X or Y status.

jo-bo

Even if you could go down the 'no credit agreement route', all that means is that although they can't legally make you pay, they'll still make your life hell while they try and get you to pay. You wouldn't be able to get any credit for 6 years while your credit file is being slowly trashed and I'm pretty sure that the whole unenforcability thing is for credit agreements done before 2001 ( could be wrong on the year but I know it's a few years ago!).

Kyresa

jo-bo wrote: »

Even if you could go down the 'no credit agreement route', all that means is that although they can't legally make you pay, they'll still make your life hell while they try and get you to pay. You wouldn't be able to get any credit for 6 years while your credit file is being slowly trashed and I'm pretty sure that the whole unenforcability thing is for credit agreements done before 2001 ( could be wrong on the year but I know it's a few years ago!).

I think it's 2007 actually

shellsuit

melbell wrote: »

You wouldn't have got goods if you didn't send it back You get 2 maybe 3. You would have been in D status which is refer for decline order. Once it was received a note on QH (Back office system) saying CCA RECEIVED then your account set to either X or Y status.

I've had 3 credit agreements sent to me and never sent any of them back.

Have never had a problem ordering goods, never had a problem with a decent credit limit either.

melbell

shellsuit wrote: »

I've had 3 credit agreements sent to me and never sent any of them back.

Have never had a problem ordering goods, never had a problem with a decent credit limit either.

Expect when Serco to run Credit Operations your credit limit removed until you return it Then they may not even let you trade

Edit to add. They now routinely send out credit agreements. So you'd have agreed somewhere

shellsuit

melbell wrote: »

Expect when Serco to run Credit Operations your credit limit removed until you return it Then they may not even let you trade

Edit to add. They now routinely send out credit agreements. So you'd have agreed somewhere

I don't understand a word of that first sentence sorry and I've read it 3 times.

Let me trade?

Huh?

melbell

shellsuit wrote: »

I don't understand a word of that first sentence sorry and I've read it 3 times.

Let me trade?

Huh?

Ordering on your account is called trading.

shellsuit

melbell wrote: »

Ordering on your account is called trading.

It's just buying in my eyes, trading is both buying and selling isn't it?!

I still don't understand what the other thing was that you tried to tell me.