can I still reclaim charges even if I have used savings to pay off the debt?

purplefiona

Hi
I need inspiration and I find these boards and everyone on them an enormous help. I've just got married (and please spare me the "don't marry debt" comments. I love him, and we both have MH problems which we are actively working on to solve, besides, everyone has already said it all!) SO. He is about £4K in debt with various credit cards, some of which i've paid off with wedding cash, some of which with 0% transfers. It could be a LOT worse....

Suppose I pay off ALL the debts, his and mine, with savings- can I still claim back mis-sold PPI and literally mountains of charges from (his) credit cards and bank? (Nat Pest and various incl. Virgin)

I have written some letters and I'm in contact with a lovely lady at Nat Pest but as you may expect it is going rather slowly- I keep losing momentum, and losing the file....

please help. Ta.

natweststaffmember

purplefiona wrote: »

Hi
I need inspiration and I find these boards and everyone on them an enormous help. I've just got married (and please spare me the "don't marry debt" comments. I love him, and we both have MH problems which we are actively working on to solve, besides, everyone has already said it all!) SO. He is about £4K in debt with various credit cards, some of which i've paid off with wedding cash, some of which with 0% transfers. It could be a LOT worse....

Suppose I pay off ALL the debts, his and mine, with savings- can I still claim back mis-sold PPI and literally mountains of charges from (his) credit cards and bank? (Nat Pest and various incl. Virgin)

I have written some letters and I'm in contact with a lovely lady at Nat Pest but as you may expect it is going rather slowly- I keep losing momentum, and losing the file....

please help. Ta.

1000000000000000000000000000000000000% yes.

Apologies but what does MH mean?

purplefiona

MH = mental health
neither of us are mad we are just miserable! takes a lot of work but we're getting there.... debt problems often go hand in hand with MH as its all about self-worth. hey-ho

Thanks.
I want to race home from work and pay off all the debts now now now!!!!!

natweststaffmember

purplefiona wrote: »

MH = mental health
neither of us are mad we are just miserable! takes a lot of work but we're getting there.... debt problems often go hand in hand with MH as its all about self-worth. hey-ho

Thanks.
I want to race home from work and pay off all the debts now now now!!!!!

lol, thank you for the explanation and if you need some more advice then post up and I'll see where we go from that point.

stellaboy

purplefiona wrote: »

MH = mental health
neither of us are mad we are just miserable! takes a lot of work but we're getting there.... debt problems often go hand in hand with MH as its all about self-worth. hey-ho

Thanks.
I want to race home from work and pay off all the debts now now now!!!!!

I know how you feel,its slow but you will get there in the end,just follow the templates off here and feel free to ask the people on here for any help which i did,just had my first money back off barclycard £260+£90 interest and that was including £12 charges as well,the people on here are brilliant,even when i thought i was asking something stupid or obvious they allways take the time out to guide you through it