Thanks...appreciate your advice.

Sorry to sound dumb but in pen or just from the computer?!

Hi all, Quick question, when sending my CCA requests....how should I sign them? I know I should not sign so should I just print my name or initial it? Thanks again!

Ida, Many thanks, I will try the CCA route for starters! Thanks, m.

That sounds like the kind of position I would like to be in, what kind of percentage for full and final are they likely to accept in this situation? Could be the way forward for me! Thanks!

Many thanks for this, would you advise it as a possible route to freeing myself from debt, have you any experience or success with CCA? Many thanks for taking the time to reply.

Hi, I am wondering the impact of there not being an enforceable agreement would have? Would the full amount be wiped? Thanks again!

Hi all, Looking for some sound advice and having read other threads and their subsequent replies I think i will get what I am looking for! My debt issue is that I have around 23k of debt over several credit cards, I dont believ I signed any agreements and they were all taken out prior to April 2007. I do earn a reasonable salary and my problem is that I can clearly see that with the interest levels etc I will paying it off for ever more and I feel it is time to act and go for maybe a debt plan? I also have been considering requesting CCAs and going down the unenforceable route...can anyone confirm if this is worthwhile? Are there many success stories in Scotland? My more sensible option is probably to seek a debt management plan with an affordable monthly payment going to the creditors? Again has anyone any experience of this in terms of just how this would work and how much per month I would be left on to myself? I really would be gratful for any useful advice!

Is it the same procedure in Scotland? Does anyone know if there have been any successes? Many Thanks in advance....considering taking ona few credit card companies!

Best of luck with your claims and thanks for the info!

Thanks for taking the time to explain this to me....

Thanks for replying....are you having success with your creditors? I dont really read many examples of success to be honest and that is my only real concern....I starting to think I may deal with it myself!

Thanks Fox for your comments, when you mention debt collector chasing you....does that mean that when i do raise a dispute they will appoint a debt collector to me...i am paying all creditors on time etc at the moment. Cheers

Hi Dave, Thanks for the reply....it just seems really daunting to undertake but i take your point on the money that would be wasted. The knoweldge on exactly which points an agreement would not be enforceable would have to be spot on I suppose and I dont feel I have that! I duppose that is where this site would help?

I have a few credit cards and have decided to bite the bullet and find out if they are unenforceable etc. Problem is that I probably dont have the time to do it all myself, had anyone any tips for selecting the corrct company to deal with it for me? Many Thanks in advance.