New to forum, help with what to claim please

[Kamira]

Hi, my first post although I have been reading the forum for ages.

 

 

I am out of work, and sadly at the moment it does not look as if this is going to be changing in the near future. Until now I have been scraping through and managing to pay things off even though its slow progress.

My current situation is:

O/draft £10k

CC1 £16k (down from £19k)

CC2 £10k (down from £14k)

CC3 £1k (down from £5k)

CC4 £5k (down from £8k)

CC5 £0 (down from £5k)

Loan 1 about £8k finishes 2014

Loan 2 about £3k finishes Dec 2010

All are currently up to date, and (other than cc1) no recent late payments.

 

I have just listed all my bank charges back to 2003 and added the part of the o/d interest paid that applied to them so I will be reclaiming these in the next day or so, but could someone confirm that I can reclaim both overdraft excess fees and returned direct debit/bounced cheque charges? If I can get the info I will be going back further now that I know I can claim them.

 

The other thing I would like to know is if I can reclaim any interest on the CC's as they were all taken out before the 2007, as was one of the loans.

I do not want to write the debts off, I do want to repay them, I just want to speed things along and if I can get some interest back it will help me to reduce what is owed. I don't think I have much (if anything) in the way of charges on the credit cards as they have always been paid on time, and the recent charges on CC1 are £12 each which I think are not reclaimable.

 

Sorry about the lengthy first post, I thought it would be easier to get it all in one post rather than a couple of threads.

[dx100uk]

ANY charge [£12] is reclaimable

that figure is only a guideline .

 

anything bar bank stuff is fair game and get the reclaims going.

start a new thread ineach of the relevent forums detailing your progress and dont forget interest at their highest rate! + dont forget the 8% stat int too!

 

as for bank A/C, as you are aware unless you can prove hardship, then its sadly stayed, but that doesn't mean you cannot get the claim in the queue.

 

keep us updated

 

dx

[Kamira]

Thanks, I am sending the bank charges letter today, and am requesting the information on the CC's as well. Will post in the relevant forums when things start to happen

[dx100uk]

glad to help

 

dx