Closed account now with a DCA

cestone

hey there,
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I have been reading site for about 12 months but this is my first post......<O:p></O:p>
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Last year I successfully reclaimed a little over £1000 pounds in bank charges and now I'd like to have a crack at the credit card charges.<O:p></O:p>
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I no longer have the card, as the account was closed by Barclaycard about 2 years ago, as I got into a financial pickle to say the least, I am now getting myself straight again thanks to the advice I read on this site.<O:p></O:p>
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I still owe around £350 but the debt was passed on/sold on to a debt collector, I now make monthly (interest free) payments to clear the outstanding. Can I still claim my charges back from Barclaycard?<O:p></O:p>
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Cheers.<O:p></O:p>

Orford

Yes, a closed a/c makes no difference

shillingford

My son was charge hundreds in bank charges by HSBC and as a student he could not pay them back so they added more charges for being overdrawn. ended up owing over £800 and was passed to debt recovery company and now has bad credit and has to pay them £40 per month for a long time, Can he claim these charges back and get the credit rating lifted?

Orford

Can he claim these charges back

yes

and get the credit rating lifted?

If you mean can he have the default removed, the short answer is no. It may be possible if the overwhelming majority of the £800 is made up of charges, but it would be a struggle and no guarantee of success

inmypocketnottheirs

Orford wrote: »

yes


If you mean can he have the default removed, the short answer is no. It may be possible if the overwhelming majority of the £800 is made up of charges, but it would be a struggle and no guarantee of success

Not necessarily. Fir a default notice to stand, then the correct procedure must have been followed. However, not all lenders are that diligent when it comes to default notices, in fact some throw them around like confetti.

It is indeed possible to get a default notice removed, as I have myself. Take a look at this link to see how:

http://www.learnmoney.co.uk/credit-cards/remove_default_notice.html

Lucyjayne_2

Hi All,

Just received 2 letters this morning one from Capital One and one from Natwest, I owe both of these money and both accounts are being handled by a third party. Both companies have offered a refund of charges on the basis that this money goes towards my outstanding balance. I really need to get the cash and not see it swallowed up in these debts.
Is there any way I can get this money back rather than it going towards my debts???
I would really appreciate any help.

Thanks

gartshore

if they have sold the debt to a third party surly the charges are a seperate issue , i am only stating an opinion .

audley16

If you owe the banks money why should you expect to get the charges refunded to you?

The charges are too high, as the majority agree, but if you owe them money from credit you have taken then I would expect they are well within their rights to offset that against what you owe them.

Credit is not free money.

gartshore

the way these companies sold there products you would have thought it was free credit .

sjaypink

hi, first ever post!

have tried to find this info on other posts but got a bit lost lookin....
to try & make it brief:

last yr i successfully claimed back a small amount of charges for both myself & my sister, so i get the basic process etc.

however my sis has another account (lloyds tsb) from a couple of years ago which got hugely out of hand. paid item charges took her overdrawn, then o/d charges, interest, more o/d charges, unpaid dd charges etc, etc.
she now owes ltsb approx 1500, although it has been in the hands of a debt collection agency for 2yrs. the actual charges amount to about 1100.
the dca have actually been ok (or just slack!) and through several phonecalls & letters have stopped chasing for now.

tried to claim back the charges last yr but then the waiver came in.......
idea was that my sis would then only owe 400, but thinking about it, why should she owe the interest caused by unfair charges?

so in this case do you take the stance of 'i want all the debt wiped', and does it make it harder if its already with a dca?

thankyou!