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  • TibetanMonk
    started a topic Mum's Debts - Unenforceable?
    in General Debt Matters

    Mum's Debts - Unenforceable?

    Good morning all

    My mum has had a Capital One CC since around 1999. Started off with a £200 credit limit, which is now £2500, despite never agreeing/asking for an increase, they just sent her new cards as and when they felt like it stating "your credit limit has been increased"...
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  • TRAVELLER
    started a topic Barclaycard - Cabot
    in Unenforceable Credit Agreements

    Barclaycard - Cabot

    Apologies if in the wrong part. I have had long battle with Barclaycard (nearly six years) regarding unenforceability - passed to several DCA's the most recent being Cabot. Always responded and kept paperwork. Always sent me copy of application form with prescribed terms missing etc.

    Today...
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  • AAD News Feed
    started a topic OFT urges universities to treat students in debt fairly
    in AAD News Feeds

    OFT urges universities to treat students in debt fairly

    OFT urges universities to treat students in debt fairly

    This is a duplicate of the Blog Entry made on 18th February 2014 16:16.

    A report published today has found that approximately three-quarters of UK universities looked at by the OFT have terms and conditions that could......
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  • jj19
    started a topic Fees within terms and conditions
    in Unenforceable Credit Agreements

    Fees within terms and conditions

    Just a question but I am sure it will be of use.
    I know the oft ruled on credit card charges some time ago, was it 2006 ?

    Anyway I know prior to that these charges could be pretty much anything the CC company wanted and I know so e were 25 or 30 and I guess some were much lower. However...
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  • lookingforward
    started a topic Car Insurance
    in Bikes & Motoring

    Car Insurance

    Bit of a silly question but want to check it's ok to insure 2 cars with different insurance companies.

    I'm buying a car from a neighbour because my current one won't get through the MOT without major money being spent. The insurance co are one call who I want to leave anyway (just google...
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  • Enforcer
    started a topic Unenforceable accounts and compound interest
    in Unenforceable Credit Agreements

    Unenforceable accounts and compound interest

    Just thinking about this.
    If an account is UE, the original creditor has obviously added interest to this, at compound rates. If it is unenforceable, they had no agreement to charge interest, or vary interest rates. They are reporting a false default amount to the credit reference agencies. In...
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  • Chaplin
    started a topic Chaplins diary
    in Unenforceability Diaries

    Chaplins diary

    Hello AAD members this is the start of my diary-hope i set it out correctly.

    Bit of background, I am currently suffering with anxiety and depression and on IB and have been for a number of years now, my partner works part time and is on a DMP with Payplan, we have two children, house is...
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  • Mr BoomBaztic
    started a topic Halifax no CCA.....Next Steps
    in Formal Debt Matters

    Halifax no CCA.....Next Steps

    Evening all,

    Quick topic really, I have been succesful in having a total of 4.5k wiped off my debt due to no signed CCA with Shop Direct and MBNA.

    I currently have a Halifax credit card with no signed agreement, when i sent a SAR, i got a form back with terms and conditions...
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  • AAD News Feed
    started a topic Is small print in online contracts enforceable?
    in AAD News Feeds

    Is small print in online contracts enforceable?

    Is small print in online contracts enforceable?

    This is a duplicate of the Blog Entry made on 6th June 2013 08:39.

    With some internet companies' terms and conditions being longer than Shakespeare's Hamlet, could it be that "unfair" clauses in agreements are not......
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  • Diasflac
    started a topic Mobile Phone Companies
    in General Debt Matters

    Mobile Phone Companies

    I have asked Three to provide proof the debt is mine, they have claimed they don't have to do this as Niddy said they'd probably do. The reason I ask is how I took the contract out, Carphone warehouse called me with the offer, took minimal details off me, posted me a phone from 3. I've never signed...
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  • Diasflac
    started a topic UE - Question
    in Unenforceable Credit Agreements

    UE - Question

    I was wondering generally about this. If you do go down this method and they cannot pursue the debt. Can you demand defaults and missed payments, well, the whole agreement, be removed from your credit file?

    Another question on this is when the credit agreement was online so there is no...
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    Last edited by Diasflac; 16 May 2013, 14:06. Reason: Extra question.
  • Pickle
    started a topic CCA Request £1 applied to account
    in Unenforceable Credit Agreements

    CCA Request £1 applied to account

    I’m in need some advice on the best way forward for this one. Here’s some background info:

    MBNA Credit Card assigned to Link
    Agreement Date August 2004
    Balance £12k. Last payment mid 2008
    Default registered 11/2008 (according to CRA which was one week before...
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  • Flanagan53
    started a topic Barclaycard help please
    in Defaults

    Barclaycard help please

    Hi all, I am new to the forum.

    I have been having an ongoing battle to remove a default from my credit file. For some years I have been pursued by DCA's in relation to a Barclaycard credit card. Will try to condense below:
    1. Robinson Way began contacting me in 2006 regarding...
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  • happy_bunny
    started a topic Cahoot flexi loan
    in Unenforceable Credit Agreements

    Cahoot flexi loan

    Hi all,

    Anyone know if the Cahoot Flexible Loan agreements are enforceable?

    I can probably upload mine tomorrow, but can't find the link to do it....

    Thanks

    HB
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  • sulphur2001
    started a topic Capital One Reconstituted Agreement
    in Unenforceable Credit Agreements

    Capital One Reconstituted Agreement

    I'm reading these threads with great interest.

    My parents have a situation on their hands with various debts and things. My Dad suffered a heart attack after 45 odd years as a Scaffolder and they fell behind on their credit cards. As it so happens, all defaulted and they're paying them...
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