Hi, i've been reading these threads and have just got confused, until recently i never missed a payment, then unfortunately i got ill and lost my job, i have today written to my cc providers requesting a copy of my agreement and if they provide the agreements and they are enforcable can i still claim back any interest payments under s85 of the act as everytime i was issued with a new card i never received a copy of my agreement with it, any help would be gratefully appreciated, thank you.

thanks 4 your quick response, since i'm a novice what would be the 1st step?

Hi all, I'm new 2 this site so please be patient with me. There is a lot of radio coverage regarding the above co, which claims that it can wipe off the full balance on your credit cards and claim back all charges and sums paid, provided the agreement was entered into prior 2 April 2007 The catch is you have 2 pay £495 & £125 up front. Is anyone familiar with this co or can provide further info relating 2 this. Much obliged for taking time 2 read this. Kind regards, Mo.