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Default and charges!! Help needed!!


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Hi everyone

 

Just a quick question...

 

Have any of you successfully claimed back charges from catalogues and credit cards?

 

Long story short

 

I am in a DMP at the moment as a result of being a complete idiot with credit a few years ago..

 

. The balances are reducing nicely

 

but with the majority of them I do believe that I had heaps of charges (normally £12 a pop and sometimes more than one per statement!)

and that if I could get some of these refunded I could be debt free by the summer!!

 

Has anyone had any experience with asking for these back?!

 

How would I go about getting a breakdown of all charges on the accounts,

 

is that what a SAR is for?!

 

Here's the ones I know iv had charges on

 

Santander credit card

Nationwide credit card

Capital one credit card

Vanquis visa credit card

Studio catalogue

Little woods

ISME

jacamo

Next catalogue

 

It's a long list of creditors :/ luckily (I guess!) the balances weren't too high!

 

TIA

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see the links below

 

an sar will give you all the statements

then off you go with a spreadsheet.

 

as for the various cat debts.

 

you wont need to SAR each one

 

as many of those are owned by the same 'comany'

 

i'e

JD Williams or

Shop Direct

 

but yes you'll have heeps of £12 charges on those!!

 

who's the DMP with?

 

and you have ofcourse sent CCa requests off

esp if you are paying a dca!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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So if 2 are with the same company eg shop direct does little woods and ISME I can just send one SAR for the two of them?

 

I have just typed up CCA requests (wasn't up to speed with this should have been a huge hint not to deal with credit if I didn't understand it!) and will be posting them tomorrow...

 

So can I claim back the £12 charges? Was unsure what I can do but I know if I can that at least 3 of them will be wiped and them still owe me some! :)

 

Just wish I had been smart enough to read everything 3 years ago before I took everything :/

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one sar per 'group'

 

all PENALTY charges can be reclaimed at THEIR interest rate.

 

see 3 below

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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