Unenforceable credit agreement

[missvagabond]

if i prove through a solicitor that a credit agreement is unenforceable due
1.to a breach on the way the account was run
2. because they cannot or will not provide the original credit agreement with both parites signature
can i remove the account from my credit file? and how do i go about disputing that with a credit file agency?

[Ethel]

I doubt it - unenforceable means you can't be taken to court for the debt, not that you don't owe the money.

See a solicitor

[EverClean]

If you have ever made payments towards this debt then it can be reasonably argued that you have agreed to the debt. in some way Likewsie if you have signed a direct debit, or made a standing order mandate through your bank.

It's quite a risk to go through a legal process with this - it must be a very large debt to be worth this risk.