Reclaiming £12 CC Charges

moo2

I sent my first letter to Mint which asked for repayment of just over £100 worth of £12 charges. They declined to pay and gave me the usual blurb.

Sent a second letter threatening court action unless they repaid plus 8% interest. Also sent a without prejudice letter saying would just accept refund of charges without the interest.

Have just received a letter offering me all the £12 charges back plus 8% interest.

I know it's not a lot (just over £120) but every little helps and am very pleased.

So to anyone thinking of trying to reclaim the £12 charges - go for it as is worth a try.

jos004

Well done. Remember though, the £12 charge is not a set legal charge. The OFT only set the threshold at £12 which can be contested in a court of law. Perhaps you should have advised Mint of OFT report OFT842.

lepetit

Wow I thought you couldn't claim back the charges if they were £12 or under due to what the OFT said!!
So you really can???

natweststaffmember

lepetit wrote: »

Wow I thought you couldn't claim back the charges if they were £12 or under due to what the OFT said!!
So you really can???

Very much so as the OP did and read OFT 842 as Stu has said and read point 1.14 of that report(it's a beautiful thing )