Woot, I got the standard letters back, and after the deadline expired i rung them, was politeley requested that they think i should wait another week before issuing court action so i did, and as if by magic poof up pops an offer of 75 % refunded. instant accept , its dead money i thought ide never have back, bah ill let them have there 25% thats reasonable charges in my book next on my hitlist, NWest bank

Hello, I need some advice. I am in a big pickle at the minute. I have tried to organise a DMP with CCCS which they are in the process of setting up wth all my creditors. My problem is that the banks and companies in question have hit me with alot of over the top charges... nameley halifax a few thousand and natwest a few thousand. would it be wise to try and claim these charges back myself? my concern is if i do try and claim them back, they will reject my DMP, enforce the default notices and try to take it further afield? any suggestions?