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  • FIRST POST
    • Former MSE Wendy
    • By Former MSE Wendy 9th Oct 07, 12:07 PM
    • 868Posts
    • 1,782Thanks
    Former MSE Wendy
    Credit Card Reclaiming Discussion
    • #1
    • 9th Oct 07, 12:07 PM
    Credit Card Reclaiming Discussion 9th Oct 07 at 12:07 PM
    This thread is to specifically discuss the new
    CREDIT CARD RECLAIMING article.


    To discuss or ask a question about this article: click reply

    To report your credit card success: use this thread

    To discuss original bank charges reclaiming: use this thread
    Last edited by MSE Archna; 10-06-2010 at 3:01 PM.
Page 155
  • jamboray
    Hello everyone, I have today posted off my PPI claim form to the COOP and Capital One Credit cards, wish me luck?
  • icecream123
    Hello

    i am hoping someone can help me, I have two accounts with Barclaycard, do i only pay one £10 charge or will it be £20 to get my account information regarding charges i have received?

    thanks
    • Alpine Star
    • By Alpine Star 16th Jul 15, 5:33 AM
    • 1,250 Posts
    • 609 Thanks
    Alpine Star
    If you mean a subject access request it would apply to all and any accounts, so just one £10.
    • taramo
    • By taramo 8th Mar 17, 2:25 PM
    • 1 Posts
    • 0 Thanks
    taramo
    How do i find out when i opened an account for a store card
    • Nearlyold
    • By Nearlyold 8th Mar 17, 3:56 PM
    • 972 Posts
    • 801 Thanks
    Nearlyold
    Ask the card provider?
    • xxdiddiexx
    • By xxdiddiexx 13th Mar 17, 12:55 PM
    • 315 Posts
    • 88 Thanks
    xxdiddiexx
    Can folk still claim?
    Not much activity on this thread since 2015. Is there another somewhere?


    Is it still ok to reclaim late payment fees and over limit charges from Credit Card Companies and have there been any changes to the templates?


    Thank You
    • Nasqueron
    • By Nasqueron 13th Mar 17, 5:12 PM
    • 4,047 Posts
    • 2,335 Thanks
    Nasqueron
    Not much activity on this thread since 2015. Is there another somewhere?


    Is it still ok to reclaim late payment fees and over limit charges from Credit Card Companies and have there been any changes to the templates?


    Thank You
    Originally posted by xxdiddiexx
    Generally speaking the banks will reject claims for historical charges because of the supreme court ruling in 2009 (while this was for bank charges it has set a precedent which has not been challenged in court). You can certainly ask but I wouldn't get my hopes up they will refund anything if you aren't in current financial hardship
    • brown1950
    • By brown1950 13th Mar 17, 6:05 PM
    • 224 Posts
    • 50 Thanks
    brown1950
    Their is no precedent set in relation to credit card charges. This is the reason why the likes of Barclaycard do not go to Court and usually settle out of court. One example :-

    http://www.consumeractiongroup.co.uk/forum/showthread.php?448783-HP-Mum-v-BC-reclaiming-penalties-and-Compound-Int-t-**WON**-
    • Bennachie
    • By Bennachie 23rd Sep 17, 11:17 AM
    • 1 Posts
    • 0 Thanks
    Bennachie
    Yes you can, the process is just the same. I am at the court stage now with Argos card services.76Bramble
    Originally posted by 76Bramble
    What about if you only ever used it as a charge card, and never ran a debt? We used both our credit cards and our store cards like this, and still do so. I don't remember ever having paid a separate premium for anything. Will there be anything to claim for?
    • dunstonh
    • By dunstonh 23rd Sep 17, 12:05 PM
    • 89,603 Posts
    • 56,092 Thanks
    dunstonh
    What about if you only ever used it as a charge card, and never ran a debt? We used both our credit cards and our store cards like this, and still do so. I don't remember ever having paid a separate premium for anything. Will there be anything to claim for?
    Originally posted by Bennachie
    You only pay when you borrow beyond the interest free period. If you cleared in full, then you never paid anything and cant be refunded something you never paid.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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