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Reclaiming Bank Charges and CCAs

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I'm new to this forum and would just like to say Hi!


I have already started trying to reclaim bank charges, Capital One have offered to reduce what I paid per 'fault' to £12, to be in line with their competitors, and repay me the rest. I am going to say thank you but all the rest needs to be paid too. They did that though within the first 14 days which feels pretty good, they have basically accepted liability.


The banks are not being quite so forthcoming, but I will persevere!


In terms of CCAs, I have been reading elsewhere in the forum that without a CCA the debt is not enforceable. I have some debt that I am repaying through IVA with some catalogues and I wonder if I have a signed CCA. I applied online, so never signed anything. How do I check?



Great website.


Damsel Fish

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