No credit agreements and credit file

VLF

tomtontom wrote: »

Says the one up to her eyes in unenforceable debt :rotfl:

Corrected that for you :money:

BillJones

VLF wrote: »

The courts automatically declare these debts as unenforceable.

Perhaps you should do a little research before you reply.

No, they will be able to reconstitute an agreement in your case, so they are going to be fine.

Even were they unable to, though, the mark will stay on your file.

It's funny, by the way, you trying to come across this smug when you are in such a mess.

Whiner

VLF wrote: »

No enforceable agreement exists - end of subject.

And just to reiterate, even if it was enforceable i I wouldn't pay.

Well, no problem, if that seems acceptable to you, go for it.

What will happen though is eventually credit opportunities will dry up for you, making it impossible for you to 1) have a contract mobile phone 2) a car on credit 3) a mortgage 4) any sort of business finance.

Pretty quickly, you will have to depend purely on money in your bank, and if you ain't got it, you can't have it...

Good luck, sponger.

Tixy

There have been court cases where judges have ruled that despite the creditor being unable to produce a signed credit agreement (for accounts openend pre April 2007) that the creditor can continue to report the debt/default on the debtors credit files.

Bantex_2

It appears OP was buying stuff from catalogues to sell on as a means of servicing other debts and had no intention of paying. This sounds like fraud to me.

VLF

BillJones wrote: »

No, they will be able to reconstitute an agreement in your case, so they are going to be fine.

Even were they unable to, though, the mark will stay on your file.

It's funny, by the way, you trying to come across this smug when you are in such a mess.

The mark on my file won't cause me any problems, due to my great use of credit over the last couple of years I won't need to use any credit over the next 6 years, so wouldn't really consider myself in a mess???

i simply wanted to see if I could challenge the DCA sharing of my data and waste there time and be "smug" with them also, as they are as easy to wind up as many of the peeps here!

:A

VLF

Tixy wrote: »

There have been court cases where judges have ruled that despite the creditor being unable to produce a signed credit agreement (for accounts openend pre April 2007) that the creditor can continue to report the debt/default on the debtors credit files.

Finally, Thank you very much for the answer.

:)

chanz4

afraid not, when you signed up and ordered you agreed to the terms. By taking goods on purpose with the intent of not paying is fraud and classed as obtaining goods by deception