halifax credit card SAR request

[nay68]

Re: halifax credit card SAR request

see below

you haven't answered this , sorry if you have and I've missed it.

Are there any charges on the account that you can reclaim and reduce your balance? only a couple

The agreement looks like crap, but as I have said on your other thread you can't just get an an agreement declared unenforceable easily, and you certainly shouldn't if it's just because you don't want to pay any more. Unenforceability is only a defence, not an attack and could only really be used once you are in default and your creditor starts playing hard ball and takes you to Court. even then, following the Carey judgement, it might not work as a defence.


If your aim is simply to avoid your debts or get them written off completely by using unenforceability then I feel that a) it's doomed to fail and b) you shouldn't be doing it anyway.

ok thanks for the info,it looks like hard work and im not realy able to do it on my own, all started with centro client phone call, think i may have to do a iva in the near furture

[Amethyst]

Re: halifax credit card SAR request

nay, before you start thinking of IVA's etc, do you want to have a look at your overall debt situation on here ? we might be able to help you get back on track yourself or at least have a considered opinion on all the options available to you.