Unenforceable CCA

rogmar

January2015 wrote: »

Please do not assume that just because they have supplied documentation that it will be enforceable.

PRA / MBNA supplied me with absolutely everything and it looked enforceable to me. By that, I mean they supplied a copy of the signed application form, the T&Cs, copies of every transaction covering the whole period of the account (and that was at least 15 years). The amount of paperwork they sent us was huge. I honestly thought we were out of luck and it would be enforceable - well why wouldn't it - they even had a copy of my husband's signature on the application form for goodness sake.

I was advised to visit All About Debt and ask the enforceability question on their. After following their advice and them taking a look at the application form and T&Cs - it was an immeidate and resounding UNENFORCEABLE :j

They explained why to me. Not every case for unenforceability is the same, but needless to say that once they explained it to me, it was obvious why this particular debt was unenforceable.

I never looked back. I did end up settling the account, but that was because it was my choice to have this dealt with and cleared on our credit report. I could have chosen not to pay it at all. I settled £12k for £1.2k and couldn't be happier with that result.

If you don't mind me asking,how long did it take for your credit score to get better?