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We are currently about to start a DMP with CCCS but would like to claim back all my credit card charges. How do I start, do I sent a CCA letter or a letter asking for information relating to the cards. Barclaycard have decided that I now own my husbands cards and I know they can't enforce them with me but where do I start.

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As you are trying to get charges back, you need to send an Subject Access Request to your creditors.

This costs £10 (postal order)

send recorded delivery and track the delivery

do not hand sign letters, just print your name.

Any accounts in your husbands name the Subject Access Request should be in his name, not yours.

Wait 40 days

hope that helps

I'd also hold off the DMP till you've sorted the charges

 

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