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Unenforceability & Template Letters

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  • Hi. I have already found out that I should claim the credit card charges before I go down the unenforceability route because its hard to get the charges back once the account is deemed unenforceable. Fine. Once i start the ball rolling on the reclaim what happens to my cc account. They are both 3/4 months in arrears. Will I still have to make payments whilst the reclaim case is ongoing or are they frozen because the account is in dispute? The thing is I really don't think I can make the payments so am I better off forgetting about the charges reclaim and going straight for unenforceability?
  • No go for charges reclaim and just dont pay anything just now - its fine.....
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    edited 15 December 2009 at 12:05PM
    Thread Closed

    This thread has now been updated and modernised with all letters now individually linked. Please see here for the new thread:

    Unenforceability & Template Letters II
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
This discussion has been closed.
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