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Best way forward

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Hi all ,great forum,spend loads of time reading but cannot decide which way to go with my credit card debts?

Either do a iva (which i assume is relatively easy)


Fight against the enforcibility of my pre 97 cca's(mbna have alredy sent me a letter from my sar saying they dont have an agreement)to get a ffs

My heart says fight(i hate banks due to them increasing my interest rates for no reason) but is it worth the fight,I need to decide as the debts are really affecting myself and wife.

Cheers Graham

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Hi lutin


Welcome to CAG


I would start by claiming back all the Penalty Charges with Contractual Interest, over the last 6 years plus. If you have been mis-sold PPI claim that back with contractual interest. Template letters and spreadsheets can be found on this site.

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