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Unenforceable Debt + PPI - a route forward

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hello all,


I have read the forums with interest and am considering a route forward with two credit cards I currently hold - Halifax and MBNA. I have combined balances of £10,000 and a PPI agreement on the MBNA card. My belief if that the agreements will not be enforceable and that the PPI was misold (I'm self employed). I have held the Halifax card since 2006 and the MBNA card since the late 1990's.


Earlier today I spoke to Beneficial Claims and agreed to them representing me. Since then I have checked these forums out and there appears to be alot I can do independantly (that said I have no legal experience). I have a 14 day "cool off" so can get out of this is necessary.


What I am considering is the best route forward and would welcome some advice. What is my first course of action (presumably requesting a CCA?), and what is the process from this point on? Currently my credit cards and not missing any payments so will this be handled by MBNA and Halifax direct?


My argument in favour of Beneficial Claims is I have a limited amount of time to pursue these claims and a lack of legal knowlegde. Converseley, I can save alot if I do this myself. How would you guys approach this?

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if you believe that the cca is unenforceable and the ppi missold then by all means send for cca, if you then post it people will be able to comment on whether it is enforceable or not... you can simply write to them yourself demand your money.. as ppi missold and advise them if they do not settle that you will initiate court action...most companies tend to settle before court as it is not in their interest to go to court.. you can do it all yourself.. if you feel you are getting nowhere then you can always return to beneficial claims..but it is not that difficult to do even with limited legal knowledge

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