Can I reclaim charges if I'm waiting to start DMP?

St0lli

Hi all, I've had a few charges from Credit Card Companies in the past (most notably from Barclaycard) and I was wondering if I still am able to go throught the reclaiming process because of my circumstances? I've got my first appointment with CCCS on Thursdya (12/2) and think I will probably end up with DMP as I have some excess income after all my priority debts have been paid. So far I've sent my CC companies a template letter I got from National Debtline asking them to suspend payments/interest for 28 days whilst I seek financial help. Would they still look at my clain whilst this is going on?

Thanks in advance for your help.

St0lli

Bump.. anyone know?

lxpeanut

I don't think starting the DMP would effect your claim. However I held off until agreements were in place in case they decided to get spiteful ie I was reclaiming so they wont agree to my payments. They really shouldn't do this though.

St0lli

Thank you!

reaver

I've started a DMP and reclaiming at the same time. The DMP is in the process of being set up and so far I have had a full refund of charges against my Halifax Credit Card. Anything I can do to reduce the debt is a bonus to me. I'd go for it but remember that anything that is refunded will almost certainly be paid off the debt owed and not direct to you. :cool: