Charges

CLf1234

I am looking for some help , I have lived in my overdraft since probably 2009 , have always had bank charges and direct debits going unpaid charges too . So turned to credit cards ran them up trying to get through  , eventually got on to payment plans to try to clear them . Ten or so years on still paying the payment plans to clear the cards , I managed to get accepted for another two cards as we were struggling and it seemed like the only way . I am now back in the same situation again , paying in £200 a month and £150 of that is just covering the interest! And that’s just one card . Is there any way I can claim any of the charges back from the bank and credit card charges? Think if I got anything it might help clear some of the debt . Any help is appreciated, thanks 

Devongardener

Why would charges be refunded?  They were part of the Ts&Cs you accepted when opening the bank and credit card accounts.

Nasqueron

CLf1234 said:

I am looking for some help , I have lived in my overdraft since probably 2009 , have always had bank charges and direct debits going unpaid charges too . So turned to credit cards ran them up trying to get through  , eventually got on to payment plans to try to clear them . Ten or so years on still paying the payment plans to clear the cards , I managed to get accepted for another two cards as we were struggling and it seemed like the only way . I am now back in the same situation again , paying in £200 a month and £150 of that is just covering the interest! And that’s just one card . Is there any way I can claim any of the charges back from the bank and credit card charges? Think if I got anything it might help clear some of the debt . Any help is appreciated, thanks 

You should put in a financial hardship case to give you some breathing room. This is typically an interest freeze for a period though in some cases they will refund a few months charges if they are on top of interest and themselves earning interest - if you don't ask you won't get!

Please go to the Debt Free Wannabe pages - there is a community of helpful people who can help you look at maximising paying debts off and speeding things up. You will likely need to post a Statement of Affairs - income/outgoings which you can do by completing a form via a link on that forum