claiming bank charges

getting_my_life_straight

I am currently getting my life straight at the moment, have gone on a DMP and generally sorting things out. I have sent off a letter re ppi to cap one ( account closed last year) and am now looking at reclaiming charges etc from credit cards etc.
I just have a few questions though, so bear with me if they have been asked before.
1 how far back can I claim charges ( have downloaded the template from the website - think it says 6 years, is this the furthest I can go back)
2 Can I send this to companies in my DMP or will this rock the boat?
3 what about catalogues - can I do these- also in my DMP

Thanks in advance

Atidi

getting_my_life_straight wrote: »

I am currently getting my life straight at the moment, have gone on a DMP and generally sorting things out. I have sent off a letter re ppi to cap one ( account closed last year) and am now looking at reclaiming charges etc from credit cards etc.
I just have a few questions though, so bear with me if they have been asked before.
1 how far back can I claim charges ( have downloaded the template from the website - think it says 6 years, is this the furthest I can go back)
2 Can I send this to companies in my DMP or will this rock the boat?
3 what about catalogues - can I do these- also in my DMP

Thanks in advance

1. If it says 6 years, then it's 6 years.
2. Yes you can. Any refund will probably help you pay off what you really owe.
3. You should use the reclaim credit card charges for catalogue debts - they are both similar types of credit. Again, any refund will help you pay off what you owe.

Good luck!

(Tell your DMP manager if you do get a windfall or otherwise reduce existing debts as it could leave more for other creditors )