Thread: am i able to claim if..

apologies if this is in the wrong place but i thought i was a general question..
Right i have a debt in excess of £500 which is currently with a debt collection agent-the debt relates to a nat west account of which a ridiculusly large %age of the debt is bank charges. Am i still able to claim these charges back from the bank (i am no longer an acct holder either) or can i not do so now because they have passed it to a debt collection agent?the debt/charges accrued within the last 6 years, i was just confused becos no acct now and becos with debt collection..
tia hippy. xxxx

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thanks hun, well ive just spoken with Natwest about missing statements so as they spoke to me i assume i can still write direct to them, i can account for £348.00 of the debt being these illegal charges (debt is wth the agency and under arrg of £12 per 4 weeks)so even with the charges refunded (hopefully eventually)i would be left still oweing £126.00 so now im thinking if i just carry on with my £12 every 4 weeks but get a letter off to natwest req these charges back. am assuming they wud either pay me or reduce the debt by that much.. just trying to work out about illlegal interest charges now, not quite got my head round that one yet, am thinking i shud keep it simple and just request charges??.. great site this! thanks for your advice. hippy. xxxx