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CCA - Clear credit card balances!!!

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I saw an advert in my local paper recently from a company claiming to clear off the total balance oustanding on my credit card.


Sounding too good to be true I got in touch with the company who wouldn't give me too much information over the phone and got someone else to call me back. They wanted a non refundable fee of £399 upfront to process the claim.


I have had a look online and there are other companies offering similar services.


Ive got an outstanding balance of £4,200 on an MBNA card which I took out in April 2005 and the company are confident they will clear the full balance due to not complying with the CCA.


I want to know if its worth going ahead and paying the fee and seeing what happens, or if anyone else has already been through this process and had success or ripped off or if I can go it alone.

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You can do it yourself - I did. You need to send them a CCA request which is asking for a copy of your credit agreement - if they can't find it then they can do diddly squat to pursue it as they would need to produce a copy of the agreement in court.


MBNA are particularly bad at keeping records and at the same time are one of the worst companies for pursuing debts - there is some logic there somewhere!!!


I am sure that is what these companies are using and it seems crazy to pay them when you can go it alone.


I haven't got the link to the letter anymore as my laptop bit the dust a few weeks ago - but you need to find the letter templates and look for letter N. That is your first move.


Nat West Bus Acct £1750 reclaim - WON


LTSB Bus Acct £1650 charges w/o against o/s balance - WON


Halifax Pers Acct £1650 charges taken from benefits - WON




GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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  • 11 months later...

Maybe send a CCA request & subject asses request first to see what info they hold & if they have a CCA! Maybe then you will know if it is worth paying someone or fighting it yourself? If they haven't got CCA you may still get chased for the debt but they will be unable to enforce in in a court of law! hope this helps


Please help with my case


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