Hi, I need some help- I,ve paid for a company called 'Consumer credit auditing to challenge the legality of my three credit card agreements- that was a year ago and nothing seems to be happening.I,ve paid the min payments up until july - I have received numerous letters from the credit card companies and endless texts and messages - none of which I have repied to. Would it be possible to enter into the statutary route of correspondence now, and if so could someone kindly point me in direction of which templates to use and there sequence? Would the fact that I have authorised another party to challenge the agreement prevent me from taking another approach?
If a default notice is issued doe's that alter the agreement in any way?
I also have a personal unsecured loan and overdraft - can I use any of the templates on these? and doe's anybody know if a mortgage can be challenged and written off?
Thanks-peace and light to all