Reclaiming bank & cc charges after CCCS help

Kerryatter

Hi - I wonder if I could get some help please...

My husband is self-employed and I'm a stay at home mum of 2 small daughters. Last year my husband's work dried up and really put us in the doo-doo financially. We contacted CCCS who helped us work things through and as such we took their advice to pay our non-secured debts (credit cards etc) £1 per month, which of course they didn't like . I'd like to claim back all of our bank and credit card penalties but am unsure of where we stand as we already have an unofficial 'payment plan' with them. Am I still able to make these claims?

Also, I have taken an 'offer' from one of my credit card companies and have scraped the money together to pay a much reduced rate to clear my card and get that particular monkey off my back. I make the final payment next month - can I still claim back the penalties from this card, even if I've already taken the 'offer' and they've closed my account? Am I even doing the right thing taking the offer

Sorry to ask questions that I'm sure have been answered elsewhere, but this site is HUGE - I just don't know where to start!

Many thanks to anyone who can help

natweststaffmember

You can still reclaim the charges if you are on a plan.

barloo69

Kerryatter wrote: »

Hi - I wonder if I could get some help please...

My husband is self-employed and I'm a stay at home mum of 2 small daughters. Last year my husband's work dried up and really put us in the doo-doo financially. We contacted CCCS who helped us work things through and as such we took their advice to pay our non-secured debts (credit cards etc) £1 per month, which of course they didn't like . I'd like to claim back all of our bank and credit card penalties but am unsure of where we stand as we already have an unofficial 'payment plan' with them. Am I still able to make these claims?

Also, I have taken an 'offer' from one of my credit card companies and have scraped the money together to pay a much reduced rate to clear my card and get that particular monkey off my back. I make the final payment next month - can I still claim back the penalties from this card, even if I've already taken the 'offer' and they've closed my account? Am I even doing the right thing taking the offer

Sorry to ask questions that I'm sure have been answered elsewhere, but this site is HUGE - I just don't know where to start!

Many thanks to anyone who can help

Your situation very similar to mine. Like you I recd advice from CCCS to pay each non priority £1.00. Your right, the credit card people dont like this, but ultimately there is nothing really they can do. Court action is very extreme and unlikely if you keeping in contact with them and sending them a payment every month.

Whilst the lower payments are being made I have been able to negotiate with a creditor one at a time and come to repayment plan. Once the plan has been agreed to I have then started the reclaim procedure on that credit card. So far out of the 7 credit cards 4 I have recd reclaims from and I have 3 more to negotiate. Happy days.

So in short, yes you can reclaim against a credit card when making reduced payments. Like you I was a bit scared also at first as I didnt want to anger my credit card by reclaiming against them when making just a token payment. That is why I got a agreed plan first then reclaimed.

Good luck.