Thanks for those replies guys. I think I'll chaseup the banks then speak with CCCS a bit more to find out exactly what they will do before handing over the paperwork.

I am already working with a dept management plan through CCCS. I have explained to them that I want to reclaim charges from the various banks and credit cards and they have advised that if I make the initial information request to be able to add up what I am owed they can then take over and make the actual repayment request. My questions are Is this the best way to do it by letting CCCS do all the work for me or would I be likely to get more back because it is in my interest to fight harder!! I haven't discussed with them whether they add the interest or if they would request further back than six years. Also some of my repayments are to debt collectors. Would I make the request to them or to the originating bank? And last but not least if this is not the correct forum to ask these questions which forum should I use. I'm in scotland so if claiming personally it would be scottish court but I presume CCCS are English law. Thanks for all that you do here Cat