Hi ,
Im new so sorry straight away if this is done wrong but I just wanted to get some advice to see if I’m wasting my time .
I have had several credit cards many from 2014/15 which have now been cleared however when I opened them I was in financial hardship , I was given increase after increase even after having defaults on my accounts , I was charge £30 a time for going over late payments etc.
The cards were with vanquis, Aqua ,barclaycard and marbles plus capital one.
I’ve initiated an irresponsible lending claim and also a DSAR for my bank accounts I had back then too as those also got charged almost weekly with going over fees etc.
lloyds gave me a overdraft I’ve £200 to start the somehow it got upto £5,000 in 2 years ! On a £600 per month topshop which wage which inevitably defaulted .
yes I’m silly and yes it was my fault but I also genuinely believe that I shouldn’t have had the increases on my cards and overdrafts in hindsight. This was in a very horrific time Of my life that I won’t go into but that’s why I was so foolish .
as I say these are laid off now and I’m a lot more sensible now .
my questions are .
is it too late?
the Lloyds bank was wound 2018
the credit cards maybe 2015
I did have a RBS account also which would be maybe 2008 , that defiantly had overdraft charges etc and also we paid for a premium but can’t remember what . Would the deadline defiantly have passed for this one?
is it worth the time perusing the cards and banks or have deadlines passed.
I have requested DSARs for everything and h e downloaded my credit file for what I can see but obviously this only goes back 6 years , is there anywhere I can see past this ?
I have already got my Lloyds statements .
any advice would be brilliant , I’ve started my claims through resolver with the basic templates .
thanks again
Leanne