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**davidm** · 17 January 2012, 19:21

Re: advice on credit card debts

Originally posted by Never-In-Doubt View Post

Hiya

Please read this and provide the info requested for each account then we'll be able to help better. ---> allaboutFORUMS - View Single Post - Unenforceability Diaries - Read me First!

You asked about unenforceability, have a read here to see what it means: ---> allaboutDEBT | Site Resources | Unenforceability Explained - A Simple Guide

ok thanks

**garlok** · 17 January 2012, 19:26

Re: advice on credit card debts

Hi david,

Have a rwad of the stuff the guys have given you and if you want to upload any agreements or sensitive material you can do so here:-

>allaboutFORUMS

Only Niddy can see this, no one else not even the mods so you don't actually have to block anything out and take the risk of something showing through.

You will find the unenforceability diary sectiion on the site very interesting and there is a good wide picture of success, some not so good and what the ride will be like, but it has to be better than paying some

for the rest of your life if you can get even some of your debts UE.

regards
Garlok

**davidm** · 17 January 2012, 19:27

Re: advice on credit card debts

ive had two dcas cougar and freds both now stopped phoning and writing since i sent cap one a dispute letter
in the begining i wrote to cap one asking for a lower payment which had they agreed i would have payed but they kept sending me letters asking for info i was not prepared to give, ie bank statements and my yearly business accounts.so ive ended up in this position with a defualt against me .the last letter i got from them was asking for a specimen of my signature to veryfy it is me ,i wrote back telling them no .they know who i am there writing to me .

**PriorityOne** · 17 January 2012, 20:30

Re: advice on credit card debts

Originally posted by Never-In-Doubt View Post

Totally unenforceable

There's nothing quite as sweet as a straight answer.....

**davidm** · 23 January 2012, 19:12

Re: advice on credit card debts

Originally posted by Flowerpower

David,

Would really be a good idea if you started a diary as advised by Niddy on post 15 on this thread... that way you could record all corresoondence between you and the

and keep track of progress on your accounts. It would also make it a lot easier for other members to follow your journey and for Niddy and his helpers to suggest a course of action.

ok have started one for mbna myself v MBNA advice please - allaboutFORUMS

**davidm** · 19 March 2012, 21:20

Re: advice on credit card debts[new letter]

just got this today from a new DCA have been through the cca request and niddy says it was UE,post 16-17 ,you can see by reading back in this thread ,what do i do now they havent given me much time to respond .

Attached Files

**CleverClogs (RIP)** · 20 March 2012, 00:37