Any update on this? I have one of these loans, with no mention of overpayment on my annual statement, but I haven't received any communication from HSBC yet.

I'm in the process of ignoring lots of these letters. I wrote back to CEL, telling them that I disputind the notice and they needed to contact the driver of the vehicle. I then got one from Newlyn, so I wrote back to them telling them the debt was in dispute and they should refer back to their client - any further contact would be considered harassment etc. Newlyn acknowledged receipt of this letter but they're still sending me letters. Am I able to do anything about their 'harrassment'? For the record, I'm not worried at all, and I'm happy to just go on ignoring their daft demands - but would there be any extra 'sport' in taking them to court (or whatever) for harassment?

Definitely send a SAR. Have you paid any PPI on the card? Even if reclaiming charges won't clear it all (it might, when you add on the compound) interest, you should do that anyway as a matter of principle.

You should also send a subject access request, to see what you've paid over the years in unfair charges and (possibly) mis-sold PPI. Reclaiming these can make a huge dent in your debts.

I've been looking at this forum for a few weeks now, and it's made me think I may be able to reclaim some money from a debt I paid off a few years ago. Around 10 years ago, I took out a loan with Egg, which I paid off 7 years ago when I had a windfall. However, I'm pretty sure I was paying PPI on this loan, which would have been missold (based on everything I've read here over the last few weeks - I have Diabetes, and was never asked about this when I applied for the loan). Even though it was such a long time ago, would I still be able to get back the money I paid for PPI? To complicate things further, it's unlikely I will be able to find the paperwork from this loan (I've learned since then that it's important to hang onto this stuff!). Will they honour a SAR with just my name, address and date of birth, without any information about the original policy? Thanks for your advice on this. David

I'm also intrigued by this 50% offer. Although it's not unheard of (with other companies, at least), it generally seems to take much longer than 5 months to get to that point. Did you get it in writing, or was it a liar over the phone trying to extract a payment from you?

Great result! Just as a caution, though, are you sure the matter is definitely closed, and not just passed back to Barclays?

If you are successful in claiming back the charges, I think they will just deduct this from the amount owing. I would just concentrate on the invalid CCA which will result in the whole amount being wiped anyway.

You could also look at any payment protection you are paying or have paid. Often it has been mis-sold, and you can claim it back under some circumstances.

Well, if you are both unemployed and injured, I would have thought any PPI worth its salt would pay off your loan. If not (and very few of them are worth their salt), it was probably mis-sold to you, and the least you should do is hit them with a claim for mis-sold PPI (+interest).

I am about to embark on a course of action against MBNA: 1st: I don't think I have an enforcable CCA agreement. 2nd: I am certain I was mis-sold payment protection insurance. At the time I took out the credit card, I was self-employed and I was not asked any questions about my medical history (I am diabetic). From looking carefully through this site, I am comfortable with how to tackle these, but should I tackle the unenforcable CCA first then the mis-sold PPI second? I'm thinking that if I tackle the mis-sold PPI first, that will just get credited to my account, which will be ultimately be written off anyway, due to the unenforcable CCA agreement. If I tackle the unenforcable CCA agreement first, and have the account written off, then later tackle them later for the mis-sold PPI, I may actually be more in pocket. Or am I flawed in my thinking somewhere.

Thanks for that link, IdaInFife. I have a lot of reading to do in that thread, but after three pages I'm thinking I'll give it a bash by myself. David

You SHOULD claim them back. What have you got to lose now?

I am genuine, but I can see why it might look like I was trying to advertise a company. I've amended my original post. Sorry for not thinking about this. David

Hi all, I'm a new poster here who's been lurking and reading for the last few days. I have a large credit card bill with MBNA which I've had for the last 10 years, and with the common experiences that everyone else around here seems to have had - increasing credit limit without request, very pushy sales people trying to get to take a cash advance on my credit card, etc. Like many people here, the current financial climate means I'm struggling to pay off my debt (I'm just about managing to keep up with the minimum payments, but no more, so my debt is not reducing). I have come across a company who claim they will be able to clear my debt for £299 on a no win - no fee basis. Has anyone come across these companies before, and are they reputable (they are registered with the ministry of justice)? The service they offer seems to good to be true. I've seen from this site that many people have tackled this issue successfully themselves, but frankly I haven't got the stomach for it (or the time). I should also add that I feel slightly uncomfortable about this, as I feel that it is my debt, therefore I should pay it back. However I've probably done this several times over if you add up the interest over the years. As well as this, the company have been very unethical over the years, with their constant unsolicited increases to my credit limit, and persistence in sending me credit card cheques, mis-sold PPI and so on. I'd value your views on these companies and my situation. David