Can I reclaim cahrges if I have defaulted?

debtispants

I am currently with a debt management company. Long story but part of this process means that I have defaulted on my credit cards. I want to apply to reclaim any charges that I paid but I guess the companies would consider this a bit cheaky!

I though about sending them the initial letter etc and when the time is right suggesting that the value is actually taken off my balance instead of being re-paid to me.

What does anyone think?

Oh I wish I had my own little Martin sitting on my shoulder!

inamess200

Hi

I can't help you but would really like to know the answer as I am also in DMP and would love to know if I can reclaim charges. Currently interest and charges are frozen but I'm sure i paid loads in the last 6 years but if it means they unfreeze the interest not sure if it is worth rocking the boat - so to speak

borgbaiter

hi

it is still possible to reclaim credit card charges. they will probably make you take them all the way to court. As you say they will offset any money you recover against the money you owe them. this should still help you as it will reduce your overall debts.

Good luck



Borgbaiter