Matta1972 Unenforceability Diaries

[terryw]

Silence is golden. Phoning just shows that they have caught a live one. If they do realise that this is UE it gives them a chance to correct this ,at least in theory.

[XX007]

Silence is golden. Phoning just shows that they have caught a live one. If they do realise that this is UE it gives them a chance to correct this ,at least in theory.

Agree with this.

They dont care if its enforceable or not they just want to pressure you to pay.

[Dottir]

The important question is why is it UE- is it UE because they can not supply the agreement (in which case they can recon something potentially) or is it UE for some technical reason.

Just read the original- it is from 2003 so if they supply a recon it would be down to you to be able to persuade a court you did not sign the agreement that contained all the prescribed terms- so can you remember from 22 years ago how you applied- maybe a mail shot, maybe in a coop store.

If they start to get heavy- do not ignore. Calling or writing does not mean they have a 'live one' but could mean they will think 'oh this person knows the law'. There are times that Silence is more like tin than golden.

I had a Natwest card that was sold to someone, I called and told them it was UE because there was no CCA ( they couldn't supply) and they closed the account there and then over the phone- this was about 10 years ago and the account was noyt SB. I now have two Natwest credit cards although I need to consolidate the number of cards I have as it gets confusing- I only want travel cards