£12 charges on Virgin Credit Card

Moneygrabber

Hi

I've incurred overlimit/late default charges of £12 ten times between 16/2/2009 to 21/11/2009 on my Virgin CC.

Can someone tell me please as I'm getting confused ! Can I reclaim these charges, or is it only applicable if you were charged over £12 (£35), as it was previously ?

Many thanks M

natweststaffmember

You can claim the lot

Moneygrabber

Thank you that's what I needed to know! Will start with template letter number one straight away!
M x

Moneygrabber

The journey begins lol. Posted 1st template letter today listing charges...They've got til 9 March !

dmg24

Moneygrabber wrote: »

Hi

I've incurred overlimit/late default charges of £12 ten times between 16/2/2009 to 21/11/2009 on my Virgin CC.

Can someone tell me please as I'm getting confused ! Can I reclaim these charges, or is it only applicable if you were charged over £12 (£35), as it was previously ?

Many thanks M

Could I politely suggest that you start learning to manage your finances?

Moneygrabber

Yes you could/can....and I will !!

Moneygrabber

Maybe I'm just one of them that arn't meant to be tamed ????

natweststaffmember

dmg24 wrote: »

Could I politely suggest that you start learning to manage your finances?

Another one who fails to read OFT842 which was about default charges on credit cards. To refresh you jaded memory part 1.14 states:

"1.14 It must be stressed that this is a statement of our position and reflects the exercise of our discretion as an enforcement agency. Only a court can decide finally whether a term is unfair, or at what level default charges should be set to meet the requirements of the UTCCRs. It should be kept in mind that other enforcers may apply for injunctions under the UTCCRs and that the UTCCRs may be relied upon by consumers in private claims"


In case you were unaware the recent bank charges case did not include credit card terms and conditions.

Moneygrabber

The journey hasn't begun lol. Posted letter addressed to Virgin CC and it arrives in my post this am - i put if undelivered please return to and my name address on back of envelope - daft postal system. Will send again tomoz.

bengal-stripe

Moneygrabber wrote: »

I've incurred overlimit/late default charges of £12 ten times between 16/2/2009 to 21/11/2009 on my Virgin CC.

dmg24 wrote: »

Could I politely suggest that you start learning to manage your finances?

natweststaffmember wrote: »

In case you were unaware the recent bank charges case did not include credit card terms and conditions.

　
Even credit cards need to be managed and ‘scorched earth’ is never a good policy.

natweststaffmember

bengal-stripe wrote: »

　
Even credit cards need to be managed and ‘scorched earth’ is never a good policy.

When credit card charges get the guts to go to court similar to the OFT test case then I'll talk managing finances on credit cards. The fact they !!!!!foot about means I'll stick to what is legal and you and others can tell people to manage their finances, deal?