7 credit cards 32k debt

[grenville353]

not sure if this is the right forum to post but:-

egg,citi,mint,nat west,barclaycard visa, master , & platinum cards, all to the limit and all been stopped.

am i right in thinking the first action is to send CCA letters followed by the SUBJECT ACCESS REQUEST forms .

then go from there ?

please help

[sunflower99]

Hi grenville

The ones that were taken out pre 2007 are definitly worth a cca request as pre 2007 ones have very strict guidlines as to layout of agreement and lay out prescribed terms .In agreemends drawn up before 2007 the prescribed terms must be in same document otherwise it is not legally enforceable and can be defended on those grounds if anyone tries to contact you and hassle you about account,The more earlier the agreements the better as earlier ones are more likely to be unenforceable or even if you very lucky lost! in some cases particulary in very early alleged agreements!

[sunflower99]

You should start a seperate thread for each card and account though! as it will get very confusing trying to get advice about different accounts on same thread and you will more likely get all the help and support you need for each seperate card if you make it easier by doing different threads as all your accounts will be different and have diiferent things happening and different ways of doing things! and people trying to squeese to much different things on same thread tend to get not such good advice as there is more confusion.