there is another solution for those with credit cards from before April 2007 - you can apply to challenge the legality of the agreement and have the balance of the card wiped out if the agreement is non-compliant. This process does not affect your credit rating and does work. Check my website for details.
Would that be the same way reclaiming bank charges doesn't affect credit rating.....?
Does your site charge for the information...?
this is the rules of it
An unenforceable contract under the CCA 74 could also be one where a creditor or a debt collection agency has failed to supply a copy of a credit agreement after a request under S77 of the Consumer Credit Act. A failure to supply a copy of the agreement after 12 days will mean that until the agreement is supplied, the debt relating to it cannot be collected.
And in english that means exactly what :question
swmbo is still waiting bank charges
Vamps im on my second claim...just watch them as they have ignored my account being in dispute and disregarded the fact there breaking the banking code of practice resulting in my credit file being totally ruined.
some people think that going the CCA route is easy. The truth is, it is very difficult sometimes. There is no guarantee the creditor will not be able to produce a signed copy of your credit agreement at the trial.
Further, it is likely the creditor will place defaults on your file, and without legal action it is likely these will hamper your credit rating for years.
Finally, people should know that just because a creditor doesn't have a CCA, this doesn't prevent them calling you up and harassing you. This can be incessant.
There are things you can do about it, but it is not an easy path.
if you go on this link its got more info hope it helps
http://www.consumerwiki.co.uk/index.php/Credit_Agreement_Requests:_Basic_Information