BCOBS & Santander - Credit card and bank account charges - What can I try and claim back?

[UrUncleGripper]

G'day Cagger's

 

I need a bit of advice on what possibly I could claim for under BCOBS.

 

 

Naturally I'm skinter than Flint and can prove this no problem with a budget planner and panoramic shots of a really cross looking wife.

 

I have a few questions,

 

I have a credit card with Santander that I defaulted on a few months back.

Naturally Santander sold the debt on to some other sharks called Arden

who have now sold the debt onto Wescots

who will probably sell the debt onto their neighbours vicious looking dog

as she'd probably have more chance of getting any money out of me.

 

 

I requested the CCA and Adren admitted that there wasn't one and that the debt was unenforceable (but the jokers still chase after me)

 

 

SAR'd Satanader and Arden

with Arden sending me the equivalent of some crap written on the back of a fag packet

whilst Satander wrote back telling me that they did not own the debt anymore and would forward the request to Arden.

 

 

Arden duly obliged by sending me some account info going back a few years but hardly anything comprehensive.

 

Credit card - I have all of my statements and there is no PPI at all but there are some pretty nasty late payment charges and hefty interest charges.

 

Bank account - loads of bank charges for going over my agreed OD limit as well as payments returned charges etc.

 

I did a bit of reading up on the subject but need some clarification on what I can try and claim for

with respects to the credit card and bank account

and how far backI can go when populating my spread sheets.

 

Any advice would be really appreciated.

 

Cheers

[dx100uk]

So what are the defaulted dates?

 

Dx

[UrUncleGripper]

Two cards in total for the missus and I, both seperate accounts. One was defaulted on at the turn of the year so lets call it Dec 2014 and the other Oct 2013

[dx100uk]

ok so good few years to run then.

 

 

you can include all penalty charges on the credit cards at their int rate

 

 

and the same on the OD but not interest charges on either.

 

 

so how much is each debt

and how much on each can be reduced by each spreadsheet.

 

 

dx

[SabreSheep]

I would be tempted to run the credit card charges as a separate complaint to the OD as the CCs charges will not have to rely on BCOBS which simplifies the process for a small court claim for charges plus interest in restitution.