studio

[mum_of_1]

i have read several threads am i able to claim back all charges if so what do i claim and how do i go about it im new to all of this

[silverfox1961]

Hi,

 

First of all you will need to know how much they have taken off you in charges. If you don't know then send them this:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

Send by recorded delivery with a £10 postal order. You may need to sign the letter but if you do, put a couple of lines through it to make it unliftable.

 

they have 40 days to reply to you. If you have moved house since you took out the agreement, you will need to supply the previous address too.

 

good luck

 

fox

[mum_of_1]

thanks yep i have moved so i will add that tpo letter i received letter today and it had service charge and default charge do i claim for both of these

[silverfox1961]

Of course you can, you could even claim interest on the charges too at their standard rates.

Make sure, when you get the info back that you scrutinise everything. You'd be surprised what might be hidden in your file.

[mum_of_1]

thanks i will write to ask for everything to be sent and try to put in a claim