anyone actually written off their credit card debt in full

[dx100uk]

unenforceable CCA's don't actual result in the debt going away, it just means that until a valid CCA is produced, they cannot enforce payment.

 

sadly, in all bar a very few cases, debts are not written off.

 

my views are my own...seek legal advice if ness

 

the myth about writing off debts

http://www.consumerwiki.co.uk/index.php/The_Myth_of_%27Writing_Off%27_Debt

BBC NEWS | Business | Ministry warns on debt write-offs

 

 

dx

[dx100uk]

posts which keep bolstering the 'myth' that an unenforcable cca = the debt is written off are not helpful to anyone.

 

CAG is not here to assist people in avoiding paying their just dues, it is about getting even with these co's that charge unfair sums towards consumers.

 

IMHO this thread needs closing.

 

dx

Edited October 28, 2009 by dx100uk

[dx100uk]

fs, thanks for that, my comments were directed at the thread as a whole, you hsve said what i wanted to say

 

members with little exp or posts should be wary of the opinions of posters who themselves are still relatively new, seroius mistakes can be made

 

dx

[dx100uk]

not going there.........

 

six years is a long time to 'wait' for them to maybe find an enforcable agreement, if you get a no show, go for an low FnF .

 

now the OP wanted to reclaim credit cards, so where the test case comes in i don't know.

 

everything bar BANK A/C's are fair game to reclaim unlawful fees & PPI [if mis-sold].

 

claim firms are a waste of money, it easy to do it yourself and certainly takes less time that what most newcomers have spent typing in the forum already.

 

find the forum for your leecher [co. name] and strata new thread and off you go, get reclaiming.

 

don't talk - reclaim!

 

dx