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Can i still reclaim Halifax CC charges


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Hi

 

like many people me an the wife got ourselves into debt, and we used a company to help us cope,(spectrum) this was a few year ago, and i am still in the arrangement now...

the interest etc on the card was stopped until around 9 month ago when they said they dont agree with spectrum etc, then started adding late payments. charges etc... the amount of £12 charges which they have added has now made the total we owe back to what it was years ago,

it has now been passed to blair oliver an scott,,, can i still claim the charges back...

 

thanks

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Hi

 

like many people me an the wife got ourselves into debt, and we used a company to help us cope,(spectrum) this was a few year ago, and i am still in the arrangement now...

the interest etc on the card was stopped until around 9 month ago when they said they dont agree with spectrum etc, then started adding late payments. charges etc... the amount of £12 charges which they have added has now made the total we owe back to what it was years ago,

it has now been passed to blair oliver an scott,,, can i still claim the charges back...

 

thanks

 

Hi Blair Oliver Scott are Halifax (B)ank (O)f (S)cotland

 

And yes even if they had passed debt to a real DCA you could still reclaim charges and any interest applied to those charges.

 

dpick:)

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Hi Blair Oliver Scott are Halifax (B)ank (O)f (S)cotland

 

And yes even if they had passed debt to a real DCA you could still reclaim charges and any interest applied to those charges.

 

dpick:)

 

That's interesting - it had crossed my mind about the old Blair, Oliver & Snott :razz:

 

Just sent them a bol******g for receiving my Halifax account whilst it is in dispute.

 

I wonder whether they will return the account or admit that they are in-house & merely passing themselves off as an outside firm.

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Hi

 

You send your letters to Halifax they are the ones that applied the charges ;)

 

 

2. Letter - Preliminary approach for repayment.

 

Credit/Store Card Letter Template (thanks Bookworm01036)

 

 

 

 

Tilly

 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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