Can i claim credit card charges on a settled account?

edwardw

I owe a lot of money still to some credit card companies, my dad helped me pay one off, which has now been settled.
can i claim any charges that i incurred on that MBNA/Virgin card, even though i have paid and fully settled the account?
Thanks

edwardw

Anyone help me

podperson

You can yes, just follow the guide in the sticky at the top.

dunstonh

Remember that there is nothing wrong with being charged. With CC you are looking at fees that exceed the limit set by the OFT.

podperson

You can claim the £12 ones as well as the earlier higher ones. Most credit card companies will offer you the difference as a starting offer but if you push for more they will generally refund the full amount - all mine have anyway. The £12 stated by OFT is only the amount below which they will not take action, they state themselves that this does not mean they are saying that it is a fair amount or that it is proportionate to costs incurred.

edwardw

Ok Cheers guys and girls
now, do i send it to Virgin Money, or MBNA?
Cheers

joncow75

The Service Quality Team
Virgin Money
Discovery House
Whiting Road
Norwich
NR4 6EJ

Prepare yourself for the £20 / £12 difference though. As all my charged were £12, Virgin told me to "get stuffed" Currently with FOS

podperson

I didn't go with fos, basically because I have very little faith in them. Most of mine started by offering me the difference between the £12 and the higher £20/25 charges. I wrote back to them saying I would not accept that, quoted the OFT report:

“We are not suggesting that default fees should be set at £12, and a court will certainly not consider that a default fee is fair just because it is below the threshold”. “We consider that a contract term is likely to be unfair if it requires consumers to pay more as a result of a default than the court would order them to pay if they were sued for breach of contract. This means that a default charge should not exceed a reasonable pre-estimate of the administrative costs that the consumer ought to have realised would be likely to be incurred by his or her card issuer in dealing with defaults”.

Stated that since OFT had claimed that only a court could decide whether their fees where fair I was quite happy to let them decide, and if it did have to go to court I would be asking for a full breakdown of exactly how they arrived at the £12 charge. All but one then paid me the full amount - and the one that's holding out is not because of the £12 charges but it has other complications.