Thread: CCA'ing after having SAR'd a credit card company?

Hi

Just wondering if there's any general consensus at the moment as to whether it's a bit dodgy to CCA your credit card if you've already gone down the S.A.R route?

My OH S.A.R - 'd a few of his cards 18months/2 years ago, and followed up on a couple of them, getting the charges back. If he now CCA's them and the agreements are unenforceable, would the fact he's claimed the charges cause any problems?

Also, I've been searching around for threads on trying to get the interest back on unenforceable CCA's, but I'm not having much luck. I've seen the idea mentioned a few times but nothing really about anyone going through it, or how to approach it. Can anyone give me any info on this, or point me towards a thread that could help please?

With the above in mind, is it better to see if there's an enforceable agreement, and if there is then SAR them for any charges so that the balance can be reduced? If there isn't anything that's enforceable then is it maybe possible to get the interest/charges back anyway without having to do the whole SAR thing, because they shouldn't have been adding them without an agreement?

Anyone's thoughts on this would be appreciated.

Thanks

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Enforceable yes, however IMHO if a person recliams any charges they have acknowledged the debt.
It may be better as you suggest "to see if there's an enforceable agreement, then S.A.R - (Subject access request) them"
I've looked through CCa threads can't find any evidence to suggest that payments or interest can be reclaimed due to the enforceability of an agreement.

Andy

Thanks for that. I'm just trying to work out exactly what I can do with the companies that have been complete nightmares. Some have been very understanding when asked for help - they're being left as is. The ones that only seem to be interested in sending us into complete financial meltdown I'm hoping to catch out with the CCA's etc!