credit card charges query

bam77bam

a few years ago i was made redundant and accrued a large amount of charges on my credit card as i was unable to make payments, consequently it was sold to a credit collection agency that i pay a token amount to. would it be possible to reclaim these charges even though the card is no longer with the company?

dunstonh

You can make a complaint and attempt to claim them back but if successful, they can use the redress payment against any debt that was written off. After all, you didnt end up paying them as you didnt pay the full amount.