Does a non binding CCA affect my PPI and charges claims

putty71

The title says it all.

If I request a CCA and it turns out to be non binding, ie that they cannot enforce it, does this affect my claim to them for PPI and charges? I understand that I would not have to pay them although it would show on my credit file but would my claim then be considered null and void?

If I have anone binding CCA and say £4000 of debt against the card, my claim is worth say £1000, would it be worth offering this as full and fianl settlement and request that they remove the default?

Could I please have some useful advice here?

Thanks

natweststaffmember

No I would reclaim the PPI then the charges and then tell them that they can't enforce it.