CCCS arrangement and claiming bank charges

methekidsandthecat

Hi all

I am in the same position as the post copied below - I know it was left on a different thread but I have not been able see any reply. Can anyone tell me if it is still safe to claim or will it invalidate the arrangement?

"Basically, I am interested in reclaiming charges from my current accounts and some credit cards. In all cases bar one, however, I am in an interest free repayment arrangement via the CCCS (Consumer Credit Counselling Service). I feel that in a couple of cases, charges would amount to a large proportion of the debt still owed and so reimbursement of these would considerably reduce my overall debt. I don't want to start the process, however, and find that any claim adversely impacts on the arrangements I have in place currently - eg would the banks concerned then be justified in taking me off the repayment plans and insist on charging interest again?

I have worked hard to get to a point where my debt is managed and as you can imagine I am reluctant to jeopardise this arrangement if possible - even if the overall debts were reduced by the reclaimed charge amount, I would still need an interest free repayment arrangement "...

Any advice would be gratefully received!!

dexters_mum_2

Hello!
I would advise you to go ahead and write to you banks (or whoever you are claiming from) using the standard form on the homepage. I'd be wary of mentioning you are with CCCS at this time.
My partner is in a DMA with another company and he had his charges refunded from HSBC, which also accounted for a significant amount of his debt which was being delt with by his DMA.
They literally took the money off the debt owed which then reduced his debt.
He didn't mention anything to do with his DMA and I am sure they must have had it on file because I think otherwise they would have sent him a cheque had he not been in debt with them.

HTH & Good Luck!!!
DM