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sourcrates wrote: »
Never, ever assume anything.
Barclaycard can provide a reconstituted copy, so its likely that agreement is enforceable.
Capital one however may not be, many years ago an application form did once double as a credit agreement, but in the majority of cases an application form, does not constitute a credit agreement.
ash28 wrote: »
Thanks for your reply sourcrates, I thought the Barclaycard one might be unenforceable because it was taken out in the late 90s as an Egg card and most of them seem to be unenforceable....but perhaps it is enforceable. I shall try and find out.
I did think the stuff from Capital One was ok....they said it was enforceable but shall try and find out whether it really is or not.
carbootcrazy wrote: »
Don't necessarily take the creditor's word that a debt is enforceable;). One of my creditors told me that my debt with them was but when I had it checked out (because of the age of it) it turned out it was actually UE:eek:
For some reason links to the site don't work but I strongly advise you to have a look at the All About Debt website. there's a section devoted to unenforceability and they will scrutinise your paperwork free of charge if you send it via their secure system to a legal expert.
ash28 wrote: »
Capital One is from 2000 and Barclaycard (Egg) from around 1997/8 or thereabouts.
NeverendingDMP wrote: »
Humblebee. Its not to bad going self managed. First thing though get all your amounts and reference numbers and who you owe money to from stepchange. Next decide what you want your budget to be/what you want to
offer everyone. Debtline has an online budget/formula to work it out for you if you want to use that. (Stepchange work it out in a completely different way.) Experiment with your budget a bit and make sure you include anything and everything. If you want to offer x for so many months just put that in the letter. I rang/emailed mine and wrote to hubbys. I just wrote that i am going self managed gave a copy of the new budget and said im offering x amount from now on and it will begin on such a date.
When i rang stepchange to cancel with them they were absolutely fine, checked i was okay and I had a plan and basically said good luck but the doors still open. Once you cancel you dont have access to the online info so a notepad with a page for each debt to record what youve done will help keep you organised.
humblebee86 wrote: »
Im a little nervous now, am expecting bailiffs at the door but i know realistically it wont happen (i hope!) Hoping to hear back soon.
Have a good day everyone :j
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