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Hi all forum users.


Just found and joined the forum, wish I had found it earlier, going back a couple of yrs I had a capital one credit card, I went slightly overdrawn and was charged, couldnt afford the charge + min payment as I was on Incapacity benefit. Then charge after charge went onto it and I'm now owing £700+ on a £200 limit card which is being pursued by debt collectors.

Im only just reading up on the charges thing so very novice to it, could someone tell me would I have a case?


Many thanks

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Hi Mccleafy.


Any penalty charge is unlawful and can be reclaimed.


Spend a few days reading the FAQs and the step by step guide in the library section. That will answer most of your early questions.

If a DCA is involved, then your best course would be to start a thread in the Debt forum..

Click on the following link.......




You should get the help that you need there.


Good luck.

Regards, Rooster.

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