Where should I begin?

[happilyeverafter]

I have 2 outstanding loans (one HSBC one Northern Rock), a Barclaycard, a Virgin credit card, a HSBC credit card and a Capital One card.

 

I have incurred fees on these in the past but am currently up to date with payments albeit making very slow progress at reducing the outstanding amounts.

 

I calculated my fees on my Barclaycard last night from my old statements and sent off a request for a refund of £240 fees plus £31.27 interest on these fees today using the calculator and 1st letter template on MSE.

 

Now I've just started reading about unenforceable CCAs and wondering where this fits in and if I would be eligible.

 

Since I've already started the fee reclaiming should I wait to hear back from them about this before I request a copy of my CCA? Also I've spent most of my day reading the FAQs and starting out guides but I am a little confused as to whether I should be asking for a SAR or a CCA? It's all becoming gobblygook!

 

As it stands I will be in debt for a considerable amount of time in the future and would like to explore any options to reduce this.

[Rooster-UK]

Moving to Debt Forum.

[cerberusalert]

Since I've already started the fee reclaiming should I wait to hear back from them about this before I request a copy of my CCA?

You can request a CCA at any time & it won't affect your claim http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

[cerberusalert]

It would be better to request the CCAs first to check the enforceablity of the agreements & a lot cheaper, if need be you can send a SAR at a later date.

[happilyeverafter]

Thank you cerberusalert.

 

I was looking at the template on here to request a CCA but was unsure of what to amend the first paragraph to for credit card agreements. I see the wording has to change to say s78 but does the number in brackets change?

 

So alongside my reclaiming I can also request the CCAs and don't need to act within a set time span ?

[cerberusalert]

Just put s78 and omit the (1)

[cerberusalert]

So alongside my reclaiming I can also request the CCAs and don't need to act within a set time span ?

You don't have a time span to keep to no, but they do. They have 12 working days from receipt of your request to provide an enforceable agreement, if they fail to do so you can send the 'In Dispute' letter and legally withold payment until one is provided.

[happilyeverafter]

That's really helpful, thank you cerberusalert.

 

I am in the process of applying to all card providers for charge refunds, I will start applying for the CCAs too. So overwhelming and lots to take in!

[cerberusalert]

So overwhelming and lots to take in!

If you have any problems or questions all you have to do is ask & someone will help.

[happilyeverafter]

Thanks Cerber.

 

I have sent fee reclaim letters to Barclaycard and Virgin this week and have just also sent the CCA requests with the £1 postal orders.

 

So the wheels are in motion and I will await a response and start sending our letters to the others.