That’s fantastic thank you  

Ok

ive found a draft sample of the CCA letter. 

Ill send these off this week as I’ve found in a guide along with a postal order. 

Ill post an update of any out comes.

thanks for the replies

1 Overdraft

7 Credit Cards

1 Store cards

all non secured.

hey all

i stumbled upon this forum and reading some posts kinda feel like i have been "cash cowed".

I have paid £43.5k in the last ten years, monthly payments going from £450 to now £250.

I owe the following to the creditors.

Hoist Finance £100

Link Financial £600

Link Financial £500

NCO Europe £900

NCO Europe £100

Paragon £750

Westcot £1200

Wescot £800

Overdraft £1500

are any of these enforceable ?

my estimate owed is around 7k on payplan.

i have read about CCA request but not 100% how to proceed and who i should write to  ?

also i have been paying Payplan "payment cover" variable payment over the 10 years and also "life cover" should i be able to claim these back as read other users on this forum have ...

any advice would be much appreciated.

cheers !