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OLD Repaid loans & Debts


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Aplogises if someone has already previously answered this. I have 2 lots of repaid loans/debts from 2006 which i eventually repaid through various DCA's etc and remember that both had added on some cracking charges,fees etc ( not aware of this site back then!!)- Is there anything i can do now??

To confirm that both have been fully repaid in 2006

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you can send an SAR to the original creditor (this costs £10) and should provide you with a set of statements which will show what charges were applied to the account.

 

These can then be reclaimed

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The large print giveth, but the small print taketh away. ~Tom Waits, Small Change

 

 

Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves

 

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Charges must not be punitive in nature, they must be representative of the tru cost to the creditor, ie. charging you £30 for bouncing a chq would be seen as punitive.

 

At the moment there is no clear set of charges, so the best way to go is simply request that any charge made against your accounts outside of the normal running of the account should be claimed

Hope this helps

 

 

If you feel that this site has helped you in any way please leave a donation if you can afford to do so.

 

If you feel that have been helpful please feel free to tip the scales.

 

 

The large print giveth, but the small print taketh away. ~Tom Waits, Small Change

 

 

Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves

 

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Charges can only be applied to an account if they are specifically stipulated in the agreement, in other words if you agree to these charges in advance - when you sign the agreement.

 

DCA's and Solicitors cannot apply charges to your account AT ALL!!

 

The only time charges can be applied to a debt outside of the terms and conditions of the agreement is by the order of the courts

 

eg. If I employ a DCA to collect a debt for me, I am responsible for their fee, not the person who owes the money. if they have applied charges to the account, then they are completely unlawful.

Hope this helps

 

 

If you feel that this site has helped you in any way please leave a donation if you can afford to do so.

 

If you feel that have been helpful please feel free to tip the scales.

 

 

The large print giveth, but the small print taketh away. ~Tom Waits, Small Change

 

 

Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves

 

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