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Marks Spencer Loan 11k Now 18k with Moorcroft. **WRITTEN OFF BY M&S**


Mrsmuff
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No, it wouldn't affect your credit report – but the best you can do is simply follow the advice of site team member @dx100uk

You've done the right thing asking to see the CCA agreement. If they are unable to produce it – then stop paying anything. It's dead and the only unfortunate thing is that you have in that case been paying needlessly for years and you won't be able to get the money back

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I'm afraid there is one thing to point out. If a CC agreement suddenly does emerge – even if they have gone beyond the deadline, then suddenly the debt becomes enforceable.

So by saying that failure to satisfy the CCA request means that the debt is dead – is a bit misleading. It goes into suspended animation.

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  • dx100uk changed the title to Marks Spencer Loan 11k Now 18k with Moorcroft. **WRITTEN OFF BY M&S**
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