Getting charges back/CCA in early days of DMP?

Squirrel29

I've just started a DMP with Payplan. One of my creditors is Nationwide CC who I am aware are a bit keen on CCJs and charging orders.

I don't know yet if they will accept my DMP. Would it flare things up if I were to CCA them? I've had my card since about 2003.

I also got slammed with bank charges from
coop last autumn. One £30 charge for going £2 overdrawn quickly spiralled into £90 the next month. That was really the straw that broke the camel's back in all of this. I don't want to wreck Payplan's negotiations but if Nationwide can't haul me into Court
and I can claim £150 or so back off Coop it would knock some debt off.

fermi

You do have a right to ask for the CCA.

It does however seem to get some creditors backs up if you use some of the more "aggressive" templates out there. But more likely due to the way you go about it and the implied consequences, rather than the fact that you have made the request.

Maybe use the template from here?

http://www.nationaldebtline.co.uk/england_wales/page.php?page=getting_a_copy_of_your_credit_agreement_and_account_details