Capital one - Paid and acct closed, can I still claim?

[nikkiandmidgets]

My mum let her £200 credit card to Capital one spiral up to nearly £1000 due to charges and interest and did same with CITI card and also with a Littlewoods Flexible acct among others. She got hassled day and night by the companies and DCA's so eventually out of desperation remortgaged and paid them all off. Can she now claim the charges back? I am not sure if she has the account numbers\reference numbers and whether the debts were sold to the DCA's or who she paid off - the DCA's or the original companies? I will ask her to check through her paperwork but wanted to check out her options before I go building her hopes up that she could actually end up with some cash! She currently earns about £1050 a month but has an arrestment on her wages for council tax (Which they try to increase every year cos she cannot afford the current years cos they take too much)- Its about £170, her mortage is £560, she has a fine she pays £5 a week to, her electric and gas are about £150 a month (My youngest sister and her baby stay with her) then with phone, insurance, v license, sky tv, and bus fares of about £100 per month she basically lives on her tips she receives at her work so anything back will make her day. Her health is poor and her doc wants her to get an op due to hammer toe (she also has rheumatoid arthritis and tinitis (Spelt wrong!) but at moment she couldnt survive without her work and the tips.

As an aside I will be claiming myself as I have two cards with them so will let u guys know how the two of us get on!

Thanks for any info or advice.

[gbzstro]

First thing - if money is tight, reduce your outgoings - cancel the SKY for a start!

[sidvicious]

yes request Subject Access Request for statements for all the cards.

[nikkiandmidgets]

Sent off mums Subject Access Request today 20 October and got certificate of posting....

[phoebesmum]

Glad there is a thread for this, as I am just thinking about trying to get my charges back, I have an original card for £200, but with interest and charges ended up paying back £441 to debitas. So would love to get the difference back, also a default which I would love removing. I also had a citi card £400, now with interest and charges I am paying back £1200 to Capquest, I would love to stop paying this @ £50 a month until I get my money back, can I do this, or should I just continue to pay, I have already cleared £350 from the £1200.

Thanks

by the way I am new today and this is my first post, so Hi!

[ukaviator]

Hello

Yes you can get these charges back. If you ask for default removal as well, you must keep the claim for your refund and default removal together throughout your claim. Capital One have a habit of paying out and leaving the Default still in place.

Please read the FAQ'S before you start any claims. I have some links below to help you. Oh and you must keep paying your token payment / arrangement as normal.

Uk