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ceejay1967

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  1. Hi all I'm CeeJay. I have, what feels like, a million pounds worth of debt hanging around my neck and go from month to month paying the minimum on credit cards. All my cards are maxed out. I am behind with payments and getting in more & more of a mess. I'm sure I would be able to reclaim some charges on my credit cards and maybe on my bank account but am worried about starting the process. I heard that if I start this process the card company can make me pay the full outstanding amount and get me to close my card. The same with the bank - they can make me close the account - I can't do that as I have an enormous overdraft! Is this true - I feel as though I am running round in circles. If there is a way for me to claim something I will definitely try it but just can't afford to have any of the accounts closed on me. (It's an Abbey account & two Barclaycards). Please help. Many thanks CeeJay
  2. Hi all I'm CeeJay. I have, what feels like, a million pounds worth of debt hanging around my neck and go from month to month paying the minimum on credit cards. All my cards are maxed out. I am behind with payments and getting in more & more of a mess. I'm sure I would be able to reclaim some charges on my credit cards and maybe on my bank account but am worried about starting the process. I heard that if I start this process the card company can make me pay the full outstanding amount and get me to close my card. The same with the bank - they can make me close the account - I can't do that as I have an enormous overdraft! Is this true - I feel as though I am running round in circles. If there is a way for me to claim something I will definitely try it but just can't afford to have any of the accounts closed on me. Please help. Many thanks CeeJay
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