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Have spent all weekend reading this site, the success stories, the FAQ's and now I think I am ready to start the ball. I will obviously keep reading!

I have printed off my DPA request for Halifax, Capital One and MBNA - the main being Halifax whom I banked with for at least 10 years. All now closed. I will post them tomorrow and start the countdown.

 

Just so I am sure (my OH thinks I am wrong) - I incurred a lot of charges because of late payments/no payments to credit cards - unpaid chqs/DD's/unuathorised overdraft in the current account - can I claim these even though they are mainly my fault? This is were OH and I disagree. I did read this in the FAQ but I think I've read too much and confused myself now.

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Just so I am sure (my OH thinks I am wrong) - I incurred a lot of charges because of late payments/no payments to credit cards - unpaid chqs/DD's/unuathorised overdraft in the current account - can I claim these even though they are mainly my fault?

 

Yes.

 

Quote from the FAQs:

 

Q. I have been charged (£20, £25, £35 etc...) by my bank/credit card company for going over my agreed overdraught limit. This was entirely my own fault. Do I still have grounds to start legal proceedings against them for recovery?

A. The law is very clear on this. If you have been penalised for breach of contract by means of disproportionate penalties regardless of how the breach came about then you may have grounds to recover your money

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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