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Reclaiming Credit Card Charges Whilst On DMP

DeBilde
DeBilde Posts: 87 Forumite
in Credit cards
Is it wise to do this whilst on a DMP with my 4 CC's?

Will they start to ask for higher payments and increase the interest charges again?

Thanks

Comments

  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    What charges?
  • DeBilde
    DeBilde Posts: 87 Forumite
    Late payment and over limit fees for the past 6 years.
  • DeBilde
    DeBilde Posts: 87 Forumite
    Anyone help with this?
  • CannyJock
    CannyJock Posts: 3,838 Forumite
    1,000 Posts Combo Breaker
    My general understanding of this was that any successful claims would be set off against your current debt so you don't actually get a "refund".

    In theory the DMP and a claim for charges are two separate things. You didn't enter into the DMP on the basis that you wouldn't attempt to claim back charges so I can't see the connection myself.
    "A child of five could understand this. Fetch me a child of five." - Groucho Marx
  • DeBilde
    DeBilde Posts: 87 Forumite
    Just wondered if the CC's companies would get a bit shirty and start charging interest and adding charges to the accounts.
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    If they have accepted the DMP - no unless you stop paying.
    Personally I don't think they will entertain your claim but what do I know?
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