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Bank Charges & missing CCA


Snorkerz
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To be brief, I have 2 credit card accounts that I am refusing to pay at present, primarily because I can't afford to (have sent income details) but also because the card issuers have failed to supply copies of the signed CCAs for several months now.

 

I also wish to claim back bank charges on these accounts...

 

Two questions,

  1. will my paperwork regarding bank charges give the CC companies any extra ammo in trying to enforce the debt if it goes to court (ie, in effect I'm admitting the debt)
  2. When the CCs agree to refund my charges, is there any way that I can prevent them just crediting the amount to the disputed accounts? I want a cheque;-)

TIA for any help

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