Lost terms and conditions

mary16

I recently applied to my credit card company for a copy of t & c in order to check if I could claim PPI. Had a letter in response saying the t & c were lost and therefore the debt was unenforcible. They then went on to say that although this is the case I still have to pay or my account will go into default and they will take legal action. I'm confused...Is there a way to write off this debt? I'm already in default and paying token payments of £1 per month!

iaintw

Can you tell me which Credit card company are you on

Gromitt

Yes, you can write off the debt, as long as you are willing to make no more credit requests from any lender for at least the next 6 years.

arcon5

Can somebody please clarify why the debt unenforceable? I've not come across this yet

tomsco

Gromitt wrote: »

Yes, you can write off the debt, as long as you are willing to make no more credit requests from any lender for at least the next 6 years.

Well paying £1 a month suggests this may not be a problem.

jonesMUFCforever

mary16 wrote: »

I recently applied to my credit card company for a copy of t & c in order to check if I could claim PPI. Had a letter in response saying the t & c were lost and therefore the debt was unenforcible. They then went on to say that although this is the case I still have to pay or my account will go into default and they will take legal action. I'm confused...Is there a way to write off this debt? I'm already in default and paying token payments of £1 per month!

Why would you need a copy of the T&C to see if you could claim back PPI?

The credit card company can just regurgitate a generic terms and conditions to make the debt legal again.

I don't think you are giving us the full picture here - please feel free to give us more information.