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 If I were to break my lease that my mother co-signed for, will that affect my credit and/or hers?
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 I discovered a secret credit card.......?
I just got my credit report and noticed my spouse has a "secret Credit Card" with a balance of about 4000.00. I am annoyed and hurt that I was not made aware of this card. What do I do next?...


 My daughter has no credit what is the easiest credit card for her to get?
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 What do you do if your bills are more than your income?
It seems as if my husband and I can't get ahead. We have an 11 month old baby and the money we make just doesn't go far enough, so we put what we can't afford, until payday, on credit....


 How long will it take me to build "good" credit?
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 Do you agree or disagree with financial guru Dave Ramsey about credit cards?
Popular radio talk show host Dave Ramsey preaches against even having one credit card. Agree or disagree and WHY?...


 Where can I report something like credit card fraud?
In Ny state where can you report credit card fraud? I thought you were supposed to be 18 in NY to get a credi card because thats when you have credit..or whatever.. Well somebody I know is 17 she ahs ...


 Would u get caught if u found a credit card and used it to buy stuff online?
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 Ok, I was out with my friend over the weekend at the mall and she was just buying everything and was using..?
a credit card. I asked her if she had the money to pay for all these things and she said no and that it was the credit card company's fault for sending out a a $3,000 limit to a 19 year old. S...


 Why cant i get a credit card?
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 Can i use a debit card as credit to shop online?
or only credit cards to shop online?...


 Where can you get a loan if you've a bad credit history?
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 How long is it before a debt is written off if they cannot find you and the person has moved house?
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 How can i pay for software without a credit card?
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 How many credit cards am i allowed to have?
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 If someone wants you to send money and put money into your account, is that a scam?
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 HELP!!,I won 10 bids on ebay,but I can only afford 2 of them, will I be charged on my PAYPAL for all of them??
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 Someone from another country is offering me money. This has been ongoing for some days now. What do I do?
I sure have been going along and asking questions. It seems fishy. Is the person only trying to steal my identity? He continues to ask for my account number and that the funds will be transferred....


 What do you think of gambling?
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 Can a bank caherge £500 for early settlement fees on a loan?
i took out a loan a month ago and now want to settle it but the bank has put £500 fees on it, is this really allowed?...



Nandm Flooring M
Do verbal contracts stand up in court?
i have agreed to something over the phone which they said was recorded and i cancelled about two weeks later,they kind of tricked me saying i had spoken to them before and i got a bit flustered thinking it was someone else i had been deling with, they said if i dont pay by thursday they will give it to a debt agency, what should i do , i dont have the money they are after
Additional Details
it was a charity company selling advertizing, ive put in charities already and cant afford to go ahead with this one, what will happen when they give it to debt agency
                     
 




bud
Rating
they are just trying to frighten you by mentioning the debt company, when they get in touch again just tell them your solicitor is in the process of getting a letter sent to them about verbal contracts not being legally binding, that should make them leave you alone they only tend to deal with vulnerable people, if they think you have a solicitor they will back off


Gypsy Girl
If you received the merchandise or service they offered, you are obligated to pay. If there was a trial period and you cancelled within that trial period, then you do not have to pay.

Verbal contracts are legally binding, but are difficult to prove in court unless you have a recording.

I can't tell you what to do without more details. A debt collection agency will give you an opportunity to dispute the debt. I suggest you do that as soon as you receive the notice.


puggylover
Rating
It depends on the circumtances. What did you agree to. Was it to buy something or what. Add details and I can answer better.


KnowItAll
You will have to prove your verbal agreement in court. Just be honest and explain everything clearly. Try to find out if other people have been victims of the same company and use that to hurt the other party's reputation. Find evidences to prove that you were a victim of a fraud by a dishonest company.


fist_3
yes verbal contracts stand up in court. Now since you thought you were talking to someone else, this could void the contract. I don't know who you are dealing with, but it sounds like they are trying to bully you into a contract. So ask for a copy of the recording. They don't produce it, tell them you thought that you were talking to someone else and leave it at that. Verbal contracts to and will stand up in court. Oh i just remembered. If you didn't have the means (money) to do whatever it was, then that would void the contract. Just remember that, it will come in handy later.


Sunny on the inside
Generally yes, but would need a bit more info to be able to say for sure in your case. Depending on what has been sold to you it is covered by different rules.

If it's something like a gas or electricity supply contract they warn you that they record the conversation and that is then a legally binding contract. Watch out for scams, especially advertising, they tell you that you agreed to go in some diary or other and get you to say ok, or stationery supplies where they tell you your "usual" ink cartridge/fax roll etc is about to go up in price and they've reserved some for you - how many would you like?. My advice in that case would be to write to them and complain about their sales tactics. If the diary hasn't been printed you can cancel (although you may have to pay a small charge) or you can return the stationery for credit (there may be a small handling charge).

If you can give me more info or want to email me feel free.


Olivia J
Rating
If you have been tricked into entering into a verbal agreement, the agreement is void.


Kat
Rating
It sounds like u may have frauded. go to ur local citizens advice burden and they should be able to advise you on the best thing to do whether u can get lawyers involved. But to answer ur question no they dont. You have to have hard evidence to prove it.


Duffer
Verbal contracts are enforceable at law, but there have to be independent witnesses. In any event, if you were buying over the phone you may be covered by the Distance Selling Regulations. See a lawyer or the CAB.


David S
Rating
For a verbal contract to stand up in court, there must be an agreement between the two parties, not a declaration from one person to the other. Your claim that you cancelled two weeks later is just as valid as their recording, which may or may not exist.

Write a letter to the Attorney General of your state about the situation, and see if there's anything they can do.


B-Squared
Rating
If they have it recorded as they claim it might stand. If not you may not be able to recall exactly what was said:) If they can show you written proof then go with it. If not then that is the story you should stick to.


raysor
In the normal course of events I would say yes, in the presence of independent witnesses. But I would just ignore any so called contract over the 'phone. They would have a hard time in the courts.


bennachie1
get in touch with your local Tradeing Standards office
Citizens advice

You need good advice pronto


Roger H
Rating
Go to citizens advice center NOW !!! Good Luck


Lincoln6
Verbal agreements aren't worth the paper they're written on.


Pj S
Rating
no not usually they must be written contracts, go and see a lawyer that is a "pay if you win" type


captbullshot
Only when they play the National Anthem...


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