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Disability causing difficulty in reclaiming charges

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I have M.E. and have not been able to work for 6 years . Having attempted to support my self running a business. i am now £15,000 in debt to banks and credit cards, previously paid off £15,000 debt .through remorgaging and £13,000 through taking previous employer to court under Disabilities Discrinination Act. I have taken debt councelling advice and am about to tell various cards and banks i cant pay them.

I have paid heaps in charges since the M.E started in Feb2001 but am having huge difficulty relaiming due to the remains of the M.E combined with the fact i am Dyslexic, both of wich reduce concentration severly.

I have sent initial request letters to HSBC (two accounts) Nationwide Card and currrent, LLoyds and Nat West.

NatWest, Nationwide and one HSBC (buisness) account have responded with statements and i am in the process of listing the charges, though it all takes huge amounts of time and energy which i don't have.

Lloyds, HSBC (second account personal) have not sent statements. I also have other credit card folk who i would like to reclaim from.

Can any one out there help a to how i should proceed and is there any support available as simpl making an application actually makes the M.E worse and so triggers a vicious circle., but i do need te money back!

Sorry to go onTake Care Redchampion . X :rolleyes:X :rolleyes:

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Hi and welcome to the site. :D


I can guide you through the process and help you to complete letters etc should you wish me to. Send me a PM if you would like me to help. I can go through each stage and each claim with you.






I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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redchampion- there is a lot of help and support on here and hopefully once this process is dealt with, and lively will help you, that £15000 worth of debt will be a few thousand in credit depending on your circumstances. We are all here to help so keep the chin up you have come to the right place and we will all help.

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