Why can I...

jomi_2

only claim 5 years worth of credit card charges in Scotland & not 6 like in England/Wales

If I go back 5 years I can claim £xxxx.xx (£xxx in charges + £xxx.xx in interest)

But if I go back 6 years I can claim £xxxx.xx (£xxxx.xx in charges + £xxx.xx in interest)

That extra year is potentially worth £659.14 !!!

Should I try for 6 years anyway?

Would that affect my claim for the 5 years in any way? i.e. could they say that because I claimed for 6 years instead of 5 my whole claim is null & void?

Please advise

natweststaffmember

The Statute of Limitations in Scotland is 5 years which is the reason.

jomi_2

natweststaffmember wrote: »

The Statute of Limitations in Scotland is 5 years which is the reason.

Thanks

Wish I'd found this site a year ago!

jomi_2

Another question...

Just going through my statements & 1 month as well as a late charge & an overlimit charge I got a "default fee" of £40.

Can I try & claim back the "default fee" like I can late & overlimit charges?

natweststaffmember

jomi wrote: »

Another question...

Just going through my statements & 1 month as well as a late charge & an overlimit charge I got a "default fee" of £40.

Can I try & claim back the "default fee" like I can late & overlimit charges?

yes you can claim default fees

jomi_2

natweststaffmember wrote: »

yes you can claim default fees

thanks again, much appreciated

jomi_2

jomi wrote: »

only claim 5 years worth of credit card charges in Scotland & not 6 like in England/Wales

If I go back 5 years I can claim £xxxx.xx (£xxx in charges + £xxx.xx in interest)

But if I go back 6 years I can claim £xxxx.xx (£xxxx.xx in charges + £xxx.xx in interest)

That extra year is potentially worth £659.14 !!!

Should I try for 6 years anyway?

Would that affect my claim for the 5 years in any way? i.e. could they say that because I claimed for 6 years instead of 5 my whole claim is null & void?

Please advise

New question about the above

Although I'm in Scotland my credit card is based in England. I just checked the terms & conditions & they state:

"This agreement is governed by English law & you agree to the exclusive jurisdiction of the courts of England & Wales"

Does this mean I can can claim back 6 years of charges instead of 5 & take them to court in England if necessary?

esmerellda

Yes i believe you need an address for docs within England/Wales Jurisdiction, not 100% on that though. have a wee google.

Which card is it?

Also I'd claim for all time and let them beat you down to six or five years if it comes to court decide then whether to go through English or Scottish courts.

jomi_2

esmerellda wrote: »

Yes i believe you need an address for docs within England/Wales Jurisdiction, not 100% on that though. have a wee google.

Which card is it?

Also I'd claim for all time and let them beat you down to six or five years if it comes to court decide then whether to go through English or Scottish courts.

Thanks for replying

I've got family in England & my aunt has already said I can use her address so I'll probably go down that route if possible

I've been using the search function to check loads of old threads & I've seen quite a few posts about using an English address to get the 6 years. Most of them are from a few years ago though so I started this thread to see if there was any recent info about it.

Its a GM Card (HFC) by the way