reclaiming charges on secured loan

[streetgang]

Hi all, I have a question regarding a debt I have.

 

I took out the debt with a finance company back in 2003 and almost immediately had difficult paying the amount due - mostly due to sticking my head in the sand rather than facing up to things. I almost had other debts (not secured) that were also in arrears.

I am glad to say that the majority of my debts are now under control, some infact have been removed completely as the DCA couldnt provide the relevant CCA after buying a debt without under paperwork.

Anyway, the secured debt is for around £30,000 and secured on the property.

Can I still try and reclaim the charges ? (which are currently £10 for an automated letter and £20 for a 15 second phone call in the middle of the day when they know noone will be in).

The charges amount to around £200 over the 6 year history.

 

One final query, can it be right that the firm charges >£500 for solicitors fees when the solicitors seem to be a part of the company itself and do not appear to do any outside work other than for the finance company ?

 

All help gratefully received.

Thanks

Chris

[Last of the Mohicans]

Punting with interest (no pun intended )

[rory32]

Can I still try and reclaim the charges ?

Yes you certainly can.

 

can it be right that the firm charges >£500 for solicitors fees when the solicitors seem to be a part of the company itself and do not appear to do any outside work other than for the finance company ?

What were the solicitors fees in relation too?