Claiming charges on statute barred debt

[electrica77]

I have about 7 credit card and bank accounts which fell into debt 6 years ago, and I am wondering if i can claim back the charges on them?

 

Has anyone done this successfully?

 

I am concerned that if I did try this they would start chasing the debts again, or it would be seen as an acknowledgement of the debts.

 

I am pretty sure they are now statute barred as my last payments were over 6 years ago,

but I did enter into an IVA after that date,

 

and the last contact from that plan was Aug 07.

 

I'm not sure if that counts as acknowledgment from a statute barring POV.

 

Can anyone help?

 

They added several thousand pounds in charges between them,

and oh boy, could I use that money now!

[electrica77]

(one of these is HSBC, who added the most money of all, and who also kept forcing me to 'consolidate' debt into ever larger loans)

[dx100uk]

if they are sB'ed then i doubt it

as you'd need all the statements.

 

and they'll prob claim to have destroyed everything.

 

good for you though

as it would confirm the SB.

 

another way to check SB is to see if the debt shows on your CRA file.

 

 

you can pull the sec 32 limitations act 'mistake' clause

to claim back charges passed 6yrs, but typically that ends in court to enforce it.

 

dx

 

 

dx

[electrica77]

hmm... I think perhaps it's better not to poke the sleeping dragon then. I should probably be grateful that i walked away not having to pay the horror debt I got myself into.

[dx100uk]

ppi is fair game though!

 

dx