I saw an advert in my local paper recently from a company claiming to clear off the total balance oustanding on my credit card. Sounding too good to be true I got in touch with the company who wouldn't give me too much information over the phone and got someone else to call me back. They wanted a non refundable fee of £399 upfront to process the claim. I have had a look online and there are other companies offering similar services. Ive got an outstanding balance of £4,200 on an MBNA card which I took out in April 2005 and the company are confident they will clear the full balance due to not complying with the CCA. I want to know if its worth going ahead and paying the fee and seeing what happens, or if anyone else has already been through this process and had success or ripped off or if I can go it alone.