SELF IMPROVEMENT

I have some serious debt 0.7 credit cards, loans and overdrafts 2 and 2. We have been discussing PPI on a loan basis, and currently with the Ombudsman.

I have asked just to bill my credit card for all my credit cards 7. Began the first report comes through and the costs often exceed the balance.

I have many questions, all answers may be available in one document here, but I can not find it credit card interest calculator

1. I am entitled to the full amount? Or can I request a refund less £ 12,00 recommended by the OFT.
2. I can ask about flowers? If, therefore, at 8% per annum or the amount charged by credit companies.
3. If the accused is of interest in the months that I have frozen interest and fees?
4. If you should have credit card debt the company has sold to the Department of Civil Aviation to pay credit card company or my DCA?
5. And religion can conflict with the Department of Civil Aviation on the basis that it is composed of fee or penalty that the dispute is only between me and the original credit card company?
6. If I have a cost of more than 6 years of age also asked them to return?
7. If my calculations show that I owe them anything now I have to stop paying them and the risk of sorting them in court.
8. I also started an overdraft to them?
9. Is there any standard messages available here can help me?
10. There are other tips are more than welcome.