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To pay or not to pay that is the question!


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This is my first post and I'm new to this forum so hello to everyone and hope someone can help me with a couple of queries.

 

I have credit cards with

Tesco (since 2004)

Egg (since 2005)

Natwest (since 2006)

 

I've slowly getting through the vast amounts of information on here about unenforceable credit agreements and I'm trying to sort out my best way forward. I have an excellent credit rating and have not missed any payments on any of my cards. I'm considering consolidating the amounts and pay off the cards totally so I'll end up with a smaller amount to pay each month on a lower rate that 2 of these cards currently give me. If I pay off the cards totally, can I still claim for past payments that I've made to these cards or not.

 

I admit that the debt is mine and I'm willing to pay for what I've spent but the interest payments are really annoying so I don't know what is the best way forward. I think all three agreements are unenforceable by what I've seen of others examples about the "limit" part etc.

 

I don't want to ruin my credit score but also don't want to give the banks all this interest money. Any help and advice would be appreciated.

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