Getting a loan written off??

[djkillian]

I am trying to investigate the possibility of a getting a loan written off due to an unenforceable credit agreement. From reading other comsumer posts, it would appear that to check this, i should first of all request a copy of the original credit agreement from the bank. However, it is not clear from the posts i have read, if that by requesting this information, it is noted on my credit scoring in some way and may affect my current status (which is fine as i have never defaulted on payments). Thanks

[Ethel]

Your chance of getting your debt written off is 1%. The chance of losing the fee you pay this company is 100%.

Haven't you got a copy of your agreement? You certainly should have, but in any case supplying you with another copy will not impact on your credit rating.

[No,Knowledge]

would this be a catalogue debt?

[No,Knowledge]

oh....bank this time.

[dzug]

Why are you worried about your credit rating? It will be trashed if you succeed in what you are trying to do.

[djkillian]

Why would it affect my credit rating? Surely i should not be penalised if the bank have issued me with a faulty agreement?

[Skyline D]

You think that wriggling out of paying off a loan, even supposing for one second you happen to fall into the minority of people who actually can do so, will NOT affect your credit rating?

You're in cuckoo land.

[another-view]

If by some fluke, you get away with this, it is doubtful that anyone will lend you anything again. I personally wouldn't risk it for a short term gain.