I am new to this site but have been very interested in some of the posts... especially re unenforceable credit card agreements. There has been some great advice given. I was approached by a compensation co... who told me they could wipe all my cc debt... if they could prove the cc agreements were unenforceable.... however after a long discussion they requested my credit card details... I categorically told them not to take any fees until i have had a look at the paperwork... However they did and as u can imagine I was fuming... charged £1,580 upfront for nothing... after calling them and threatening them with MOJ and Financial omb they quickly refunded my fees... as they had already been warned about taking upfront fees.... SO to cut a long story short I am going to do it my self... but nervous... Can anyone provide me with a template for the letters u need to send to lenders.... thanks guys.

I am new to this site but have been very interested in some of the posts... especially re unenforceable credit card agreements. There has been some great advice given. I was approached by a compensation co... who told me they could wipe all my cc debt... if they could prove the cc agreements were unenforceable.... however after a long discussion they requested my credit card details... I categorically told them not to take any fees until i have had a look at the paperwork... However they did and as u can imagine I was fuming... charged £1,580 upfront for nothing... after calling them and threatening them with MOJ and Financial omb they quickly refunded my fees... as they had already been warned about taking upfront fees.... SO to cut a long story short I am going to do it my self... but nervous... Can anyone provide me with a template for the letters u need to send to lenders.... thanks guys.