Reclaimed Bank Charges SUCCESS stories

Paula_Pear

Hi all,

has anyone been successful in obtaining refunds for £12 (late payment / overlimit) credit card fees?
I have cards with Halifax, Cap One and Tesco Pers Finance.
Thanks, PP

bazzaboy52169

Amount claimed £1408
Amount Recieved £1195

Posted first letter on 27th feb with list of charges.
Got reply a week later saying it would be investigated should have answer within 10 days.

Got a offer today for £1195 and will accept.:T

This is the first time i have posted but have been reading all the advice on here for a while.
This site is amazing and thanks to everyones help especialy Martin Lewis his advice is brilliant.:money:

adason

Edinburghlass wrote: »

Yes and yes, alter the template to say you are claiming for late payments and /or over limit fees.

thank you :beer:

i will dig out all my old statements and let you know how i get on, i will have a look on the address thread, beacuse the cards were with GE Capital

Thanks again Lizz:T

aran77

Bank: Halifax
Amount Reclaimed: 650
Amount they paid: 650
The story: First letter as per template got a "We can take upto 8 weeks to look into this matter". Sent the second straight away and soon received a offer of £298!
Called halifax and got a dozy bloke that sounded half asleep so I immediately took the upper hand and rejected there offer, he then checked his computer and offered £400. Again I rejected and said Im happy to go to Small Claims and get the extra 8%, at which point he caved and agreed to send out a offer for £650.
Thanks Martin and to all who have posted there success stories that inspired me to go through this process...Credit cards beware Im starting on you next.

Edinburghlass_2

Paula_Pear wrote: »

Hi all,

has anyone been successful in obtaining refunds for £12 (late payment / overlimit) credit card fees?
I have cards with Halifax, Cap One and Tesco Pers Finance.
Thanks, PP

Yes people have been successful with these cards and don't be fobbed off with the company saying these charges are now reduced and can't be claimed.

I've shifted your other posts into the Halifax thread here...

http://forums.moneysavingexpert.com/showthread.html?t=285448&page=42

rscottw

timeline

22nd dec 06 sar request

1st jan 07 letter 1 sent requesting 836.00 back

8th jan 07 looking in to it letter

11th jan 07 nasty reply one charges are legal so tough

20th jan 07 letter 2

31st jan telling me letter forwarded to legal dept

02nd feb 07 letter 3 before action

6th feb 07 nasty reply two

15th feb 07 issued moneyclaim online

16th feb acknowledged by northern rock


then nothing until this morning cheque thru post for £1016 with a covering letter spitting there dummy out (notwithstanding your abject failure to adress the legal issues raised in the previous letters,for reasons of commercial expediancy and without any admissions of guilt blah blah full settlement chq enclosed 1016.5)


many thanks for all the advice and dont buckle keep going till the end

shoe_2

esmerellda wrote: »

Hi - you want to push for the 618.00 before you take court action - you aren't entitled to the interest 8% element anyway until filing the claim. So write back saying thanks but no thanks, if you offer £618 before (date you intend to take court action) you will consider the matter settled.

thanks will do..
fingers crossed..
a big thanks for everyones help..

RobertJ_3

Full refund of £1130

:T :T :T :T :T

Jonemb

Bank: LloydsTSB

Amount claimed: £2422.60

Amount received: £2540.26

Paid £750.00 after I threatened to take them to court and caved in totally one week before the case was due to be heard. Just like to say thanks to Martin and everyone for highlighting this problem.

I am now going after Barclays.

notsohappyhammer

Shed78 wrote: »

Can I claim for a "Referral Charge"? I have a lot of these on my statements which amounts to a handy amount.
Also, when calculating the amount to claim, say if a charge is £38 do I ask for £26 (the £38 minus a £12 "fair charge" sum) or do I just ask for the £38?

When I claimed from RBS I included the full referral charge.

They paid all my charges back within 3 weeks from the first letter.

Good luck with your claim.