Can anyone advise?? I defaulted on my BOSCC and have now totally ignored it for months. My card expired in January and I've heard nothing from them. Does anyone know where I would stand in trying to reclaim unfair charges - these would be far more than the outstanding balance on this card. Is it worth a shot?
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). Don't worry about court, it probably won't get any further than your MCOL claim and anyway you'll get loads of help here if you need it. 
