still dont quite understand how I can claim for interest, penalty charges, late payment etc from bc if they told me in the cca at the beginning what their charges were? Or am I missing the point!!

How would they be unlawfull. It was a normal BC debt under a CCA. I know I owe it, but after reading notes on the forum see people have received charges back. I cant quite get my head around getting charges back. Do you mean late payment charges, over limit charges, but not interest? Thanks for helping.

where has the thread been moved to please and how do I find it?

sorry hope that didnt shound too rude! I have noticed people have had money back from the likes of Barclaycard! Does it go back to the beginning or the date of the default? Do they usually refund when challenged. There is so much info on this site. Ive been reading for hours, not sure its done my brain any good! Battered:lol:

are you saying all over limit and penalty charges and late payment charges, can be refunded! Why?

thanks very much for the answer I do not have the statements, unfortunately. What is a SAR? IF I tell lowells im asking for these will they hold off on the SD do you think. Time is a problem

why is bankruptcy at 61 bad news? please

that was a nice reply and very honest. ITs just having the balls to start doing it. Im looking at all sorts, sometimes there are too many options and advise you get confused to say the least and I suppose every ones case is different.

I was in a similar position, where Lowells the DCA threatened me with a Statutory Demand, I rang to arrange some sort of amicable payment, the debt was smaller than yours, and they said at first they wanted 50% of the outstanding balance before they would consider accepting a dmonthly payment. They then went to 25%. Im not sure what to do myself about this, whether just to pay to get them off my back and not lose my home etc. Anyone any ideas?

Youre reply to the last paragraph. I have unsecured loans and sim[;y did not pay after marriage breakdown and lack of funds hoping they would take me to court, so I could pay something off as agreed by the court, but they have just sent me a Statutory Demand, and Ive not been to court. in fact the court has not been involved with either the original debt or the DCA who bought the debt. Any advice?

After having some useful advice, I have another query. After having received a SD by normal post, and on reading some other threads, can I ask Hamptons at this late stage for a CCA and do you think they would hold off the SD till they sent me what im entitled to!?

Its good they gave you the charges back. But what were they for? just general charges of excessive ones. I might try that with Barclaycard, but mine was just a normal cc account, im not really sure what charges other than interest they have put on? Can you just advise me what is a SAR, im not sure. Ive worked out most of the other abbreviations!

thanks for the info and your time. The SD has already arrived, last saturday. I contacted them to arrange some sort of payment, but I have started by own thread, eventually, but now not sure how to find my own thread! being a bit dipsy!!

ive read on the forum here, but cant remember where now! that a DCA was chasing a debtor and subsequently he wrote to BC asking for a statement and asked for charges to be refunded. What they could be Im not sure. He got the knock back at first, but a second letter to them and he received £920 back. and they said they would let the company that bought the debt that it had now been reduced. I was just wondering if I could do the same. DOes anyone know of this please.

Just need to know why an outstanding barclaycard debt which was sold to lowells, quite soon, bc didnt take me to court, so I thought lowells would. they havent , just loads of letters, now been landed with a SD by post. I have rang them under duress, thought I would do the right thing and arrange a payment plan with them, as I do owe the money. Very pleasant!! wanted first 50% of balance upfront for them to consider a monthly payment plan. but in September last year, they offered the usual reduction and also offerring me £60 per month. Thought I would take them up on that, but they said it had gone too far. I only received SD on saturday gone. Any advice?