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Please help with credit card charges

pinkpr1nc3ss
pinkpr1nc3ss Posts: 160 Forumite
in Debt-free wannabe
I had a capital one credit card which I defaulted on and have since paid off the balance to a debt collection company. The thing is most of what I paid was charges on the account for late payments and going over my limit (because of these charges :rolleyes:). Also I paid a deposit of £200 for a limit of £200 (yes my rating was that bad and it was meant to repair it) should the £200 have been taken off the total? I'm not sure if it was or not as I don't have any statements.

Please help because I haven't got a clue what to do about it. I argued with the DCA but was bullied into paying it. It was only £370 but its not the point.
pinkpr1nc3ss

There's only sunshine that lies ahead. You have to move forward because it doesn't make sense to live in the past.

Comments

  • pinkpr1nc3ss
    pinkpr1nc3ss Posts: 160 Forumite
    Can anybody help? What I'm wondering is can I claim these charges back?
    pinkpr1nc3ss

    There's only sunshine that lies ahead. You have to move forward because it doesn't make sense to live in the past.
  • RAS
    RAS Posts: 36,206 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    There is a whole reclaim forum if you go to the main page. Yes you should reclaim these charges.
    If you've have not made a mistake, you've made nothing
  • beanielou
    beanielou Posts: 97,051 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Yes, you should reclaim the charges.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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