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Debt Mangaement Plan

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Hi everyone I am new here this is my first post.


I am on a debt mamnagement plan at the moment that means that my creditors (including HSBC) have accepted reduced payments on money that I owe them and have frozen my interest. They have charged me in the past and I would like the money back but obviously I don't want them to start adding interest and stop accepteing the reduced payments which they are quite entitled to do.


Is it worth me claiming, the chages I have had with them would probably add up to about £200. I wouldn't mind if they said that the money would be credited to what I owe them.

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