Hi,

I'm very late to the claim back party and

have had a call from Harringtons who are offering to help me claim bank & store card charges back at a whopping 39%.

as its such a hefty charge I thought I might try to do it myself.

The thing is my claims would date back between prob 2000-2004/5.

Regarding the M&S card it was my first store card and I probably signed up for PPI on it

but I was also always late paying it off and had late charges of about £35 a go.

Can I still claim back in 2014 from all this time ago

and how might I go about doing it??

Any pointers would be useful. Thaaanks!!

Yes you can can claim them back and you should do so. Start now.

You don't need help from Harrington's or any other claim management organisation. It is a complete rip-off. They do very little. They charge huge amounts of money. And if later on you want to leave them and try to do it yourself or if they don't get the job done quickly and often you want to complain they generally speaking come after you for their percentage anyway.

Do it on your own. There are lots of people on this forum to help you.

The fact that it has been less so late will not make a great deal of difference – except there will be a lot more money to collect.

If you are paying late charges of £35, you should also get those back – plus the interest you pay on them. Don't accept any warning from M&S or anybody else that they are subject to the six-year-old. It's not true

first port of call is to get all the details

send M&S an sar.

dx

Can I claim late payment charges over 6 years ago if my old M & S card is now with a recovery agent (Cabot)? I haven't paid anything since 2010 due to ill/circumstances... However, I'm now in employment and I'm trying to clear up a mess I got myself in in 2010.

cabot are not a recovery agent

they are a no powers DCA

the debt has been sold

if you've not paid anything since 2010 its SB'd ignore them

as for charges

its very unusual outside of 6yrs without court.

lastly

this thread is very old no-one will see your post

go start a new thread

of your own

Thank you for responding so quickly... I've started a new thread with more information