New to forum, help with what to claim please
Hi, my first post although I have been reading the forum for ages.
I am out of work, and sadly at the moment it does not look as if this is going to be changing in the near future. Until now I have been scraping through and managing to pay things off even though its slow progress.
My current situation is:
O/draft £10k
CC1 £16k (down from £19k)
CC2 £10k (down from £14k)
CC3 £1k (down from £5k)
CC4 £5k (down from £8k)
CC5 £0 (down from £5k)
Loan 1 about £8k finishes 2014
Loan 2 about £3k finishes Dec 2010
All are currently up to date, and (other than cc1) no recent late payments.
I have just listed all my bank charges back to 2003 and added the part of the o/d interest paid that applied to them so I will be reclaiming these in the next day or so, but could someone confirm that I can reclaim both overdraftexcess fees and returned direct debit
The other thing I would like to know is if I can reclaim any interest on the CC's as they were all taken out before the 2007, as was one of the loans.
I do not want to write the debts off, I do want to repay them, I just want to speed things along and if I can get some interest back it will help me to reduce what is owed. I don't think I have much (if anything) in the way of charges on the credit cards as they have always been paid on time, and the recent charges on CC1 are £12 each which I think are not reclaimable.
Sorry about the lengthy first post, I thought it would be easier to get it all in one post rather than a couple of threads.
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