Can I claim charges on a defaulted account?

forwardplanning

The charges were incurred before I defualted on the account - which is what actually lead to the default in the first place. Do I have a case for reclaiming these charges?

Thanks

dunstonh

1- what charges?
2 - what makes you think you can reclaim the charges?
3 - you haven't paid the charges so what makes you think you could reclaim them?

flimsier

If you mean PPI charges, yes, assuming they were sold to you illegally.

dunstonh

flimsier wrote: »

If you mean PPI charges, yes, assuming they were sold to you illegally.

illegally is a strange word to use. No-one has actually been found to sell them illegally.

If is PPI and not charges, then a complaint can be made stating reasons for mis-sale and if the complaint is successful, they will use the redress against the default

flimsier

!!!!'s sake; I've attracted a pedant.
I suspect you knew what I meant, but wanted to flaunt your "superior" knowledge. Well done.

Common_Sense_2

flimsier wrote: »

!!!!'s sake; I've attracted a pedant.
I suspect you knew what I meant, but wanted to flaunt your "superior" knowledge. Well done.

i don't think DunstonH was being pedantic, he was correcting a commonly spouted phrase that PPI was illegally sold, much like when people ask if they can "claim their PPI" when in fact they mean complain that it was miss-sold and ask for a refund.

Whilst not accusing you or anyone else of 'dumbing down' (expt ths tht use txt spk) we need to make sure that we are using the correct terminology otherwise people will get confused, get the wrong idea, and possible muck up any possible complaint that they have.

Premier_2

forwardplanning wrote: »

The charges were incurred before I defualted on the account - which is what actually lead to the default in the first place. Do I have a case for reclaiming these charges?

Thanks

flimsier wrote: »

!!!!'s sake; I've attracted a pedant.
I suspect you knew what I meant, but wanted to flaunt your "superior" knowledge. Well done.

Well, sorry, but I'm no mind reader either

How do you incur default charges on an account before the account is in default? :huh:

As for "superior knowledge", well you came here looking for advice and so presumably wanted that from someone who knew more than you on ther matter. Or was there an alternative reason for your post? :huh:

Premier_2

So is this about PPI? That's perhaps what is confusing many people.

This board is for debating the reclaiming of bank and credit card charges. There is a different board for debating the recliaming of PPI and other insurance that can be found here.

http://forums.moneysavingexpert.com/forumdisplay.php?f=169

In the event this thread is referring to reclaiming PPI, could you please contact one of the board guides and ask for your thread to be moved there so that it may receive an improved response.

filter

Can you help me?
I started to claim back p.p.i. before going bankrupt in june 2010 on my credit card which had debt.They were dragging there heels and now they have told me I am owed £976.00 .I was discharged in 2011, can I have the money because the account is closed.

amersall

filter wrote: »

Can you help me?
I started to claim back p.p.i. before going bankrupt in june 2010 on my credit card which had debt.They were dragging there heels and now they have told me I am owed £976.00 .I was discharged in 2011, can I have the money because the account is closed.

Hi there,post your question here

http://forums.moneysavingexpert.com/forumdisplay.php?f=136
They will be able to help you more.

dunstonh

filter wrote: »

Can you help me?
I started to claim back p.p.i. before going bankrupt in june 2010 on my credit card which had debt.They were dragging there heels and now they have told me I am owed £976.00 .I was discharged in 2011, can I have the money because the account is closed.

They are allowed to use the money against any debt that was written off as part of the bankruptcy.

Remember that you effectively haven't paid this PPI payment as your defaulted. So, therefore you should not be entitled to it. Your creditors should get it as they are the ones that lost out. You did not. You will only get it if they dont realise you had a debt with them or you happened to have no outstanding debt with them.