I was using MSE for the bank charges. I am now challenging for UCA's. So if I was doing it by myself, where do I start? Will it cost anyway etc?? (Barrister fees etc...) THanks for your advice so far... I am actually reconsidering

Car2403, Thanks for your post.Totally understand what you're saying. However, it's not just a cost isssue. Working two jobs at the moment so dont have enough time to be doing it on my own. I have learned first hand not to do things by myself..... Bank Charges. I tried this on my own, and with the help of moneysavingexpert.com. But didn't get anywhere. I have spoke to a few people regarding these claims companies. They seem to recommend Brunel Franklin. Thye also have a barrister on their books, who will assess the case. This can cost hundreds of pounds anyway. I do think I am going to go ahead with them. I will keep you updated with my post! Please see CSC :: The CSC is changing! Cheers,

I was contacted by Brunel Franklin after I had made a web enquiry. The person I was speaking with was extremely friendly and provided comprehensive information regarding Unenforceable Credit Agreements (UCA's). I was impressed, but slightly wary, as there are many claims companies popping up daily, so I did some research. They are regulated by the Financial Ombudsman Service, the FSA and the Ministry of Justice, as well as the Claims Standards Council. There is alot of speculation about whether UCA's are actually legitimate. There were test cases sent to Chester County Court in April, which Brunel Franklin was at the forefront of. Every claim that went through was successful (i.e. consumers were allowed to walk away fromk their outstanding balance). From what I can gather these guys really do know what they are doing, they seem to have been around for a number of years. There is the small matter of the fee. I was advised it was £395. This is not an amount I can afford at the moment. I was then advised that if my claim was not successful, I would receive 100% refund. I do think this is something I am going to go ahead with. Its just finding that money. I would advise to contact Brunel if its something you are interested in. I have had numerous calls from other companies who I found to be obnoxious, dodgy and the sales people completely arrogant!