Credit Card Reclaiming Success Stories

as a newbie if this is in the wrong place could someone please move it.

i was just thinking that with all the people including myself who have made monetary gain through following the advice on this site to claim bank charges etc perhaps we could start a campaign to encourage people to dontate just a small amount to a charity like children in need, it would make them feel better and perhaps really show gratitude to the work martin puts in to this amazing site.

just a thought and something i intend to do. after all through this site an incredable amount of people are now better off

Had a couple of succeses over the last couple of weeks with my cc claims:

RBS - claimed on MCOL they defended then claim was stayed, then I got it un-stayed and then they paid up.

Barclaycard paid up 3 days before court date.

Good luck everyone

LS:o

Company: EGG
Amount claimed: £233.39
Amount received: £233.39

Was surprisingly quick.

Requested statements mid-August (also claiming Payment Protection Insurance).

9th Sept - requested repayment of charges incurred on account
3rd Oct - received standard letter saying EGG does not believe charges are unlawful etc., etc. so go away.
10th Oct - sent reply requesting money again, this time with threat of court action.
15th Oct - received standard reply from EGG, but with offer of £36 to go away.
17th Oct - sent letter saying would accept £36 as down payment on full amount. Decided to threaten with Financial Ombudsman. Actually completed forms and sent at same time.
19th Oct - received letter from EGG with offer of full amount plus interest to the value of £233.39.

Have accepted offer, but holding back telling FOS until money in bank!

Thanks to all on this forum for support. To those in the process or thinking about it, go for it and follow the guides.

PROVIDER MBNA
CLAIMED £1500 + INTEREST
WON £900

I Claimed on behalf of my partner, He had three accounts with them over the years. This was the first time I had done this, but he had claimed £1600 from Halifax bank.

We got a letter saying that they would deal with the cases by blah date (it was about two weeks) which I actually thought was very nice of them. Then we got out responses early. (I was happy with this) We were happy to settle for the £900, we got two cheques and the one current card he has with them was credited with £389.

PROVIDER HALIFAX
CLAIMED £320
WON £150

Not such a nice company. I got the first letter saying go away so I threatened to take them to court. Then surprise surprise they offered £150 which cleared the amount outstanding on his card and we have closed it. No more money to Halifax.

PROVIDER SKY
CLAIMED £275
WON £138.50

Dead easy to deal with, you can speak to them on the phone, but again we got a letter to say that we would have a response by 28th of this month and the letter came today saying they will give us £138.50. Its more than enough to clear the card, another one for the bin.

PROVIDER MBNA
CLAIMED £200
WON £91

This is my old MBNA card. The account has been dead for eons, but I though I'd give it a go. I am now just waiting for my cheque.

Having read some of the other threads on this site, I should maybe have hung on for more, but I am happy with the amounts we have had, it has helped to clear two credit cards in full, the £91 from this claim will pay my barclay card.

We are going after RBS next, then both of my Barcalycards. We have not found any negative response from any of the companies we have dealt with. I never had a lot to claim back as I had direct debits paying mine, but for the cost of a stamp and some computer time, go for it. Do not be put off with the first letter telling you to go away.

Stick to the letter templates on this site, they are tried and tested, but what is MCOL?

Thanks Martin and to your site, so far with his halifax claim, we have recouped nearly £3000. Its a hell of a lot of money and the New Year will be much easier for us now.
Lucy