Hello everyone I am a new member and have credit loans with the following MBNA HALIFAX CREDIT CARDS BLACKHORSE FINANCE HALIFAX UNSECURED LOAN All of these agreements were taken out before 6th April 2007. What do I need to do to see whether these are unenforceable and how do I challenge the banks. Help! I have had a good read of everyone elses views and would appreciate your help particularly with reference to any standard responses that you write when dealing with the banks. Also am i in a position to reclaim the interest that has been paid since the agreement has started? And can I ask the financial institution to freeze the interest with my first letter? Heres hoping I can save money. Platinumone