Can I claim back charges off a closed account???

zAndy1

Hi,
I notice the wording on the template letter for asking for charge details says 'list of all the default charges for direct debit, unauthorised overdrafts and standing orders...', isn't that wording only relevant to bank accounts and not credit card accounts and if so is it worth rewording it when sending to a credit card company to say for example 'list of all the charges for late or missed payments...'.

Thanks
Andy

Edinburghlass_2

Edinburghlass wrote:

You can claim on credit cards for late payment fees and over limit fees, just change the letter to read what charges you are claiming.

As above....

brokenpiggybank

I'm wanting to start claiming back my charges from old credit & store card but I don't have all my statment's. Des anyone know where I need to send my request for a list of all my charges from the following places

Virgin Credit card
Creation finance for Topshop card & Miss selfridge
HSBC (but also gonna start claiming my charges from my bank account from them so can I send a request for the both in the same letter & only pay £10 rather than £20?)



I have so far sucessfully claimed £518 from Halifax my total charges and it only took 2 letters!!!!!:dance:

car1268

Can anyone tell me if credit card companies are closing down accounts and asking for balances to be repaid after successfully claiming charges back.

feedering

car1268 wrote:

Can anyone tell me if credit card companies are closing down accounts and asking for balances to be repaid after successfully claiming charges back.

It is not a standard practice, however if they do you can always challenge them as its retalitory action.

Forkie

I too would love to hear if this has happened to anyone. I've spent a while searching this forum and other sites and I can't find any evidence of credit card companies calling in debts after refunding charges. However the card I would like to reclaim charges from has £10,000 of debt and I wouldn't be able to pay this back immediately.

feedering

Forkie wrote:

I too would love to hear if this has happened to anyone. I've spent a while searching this forum and other sites and I can't find any evidence of credit card companies calling in debts after refunding charges. However the card I would like to reclaim charges from has £10,000 of debt and I wouldn't be able to pay this back immediately.

As long as you are making the repayments they will not close your account.

benadesign84

Hi, im new to this site,so hello to everyone who may be giving me wonderful advice in the coming future:beer:

I would like to know if i can reclaim credit card charges, as previously i had a capitol one credit card. They charged me a hell of a lot because i was over the limit and paid late a number of times. I eventually paid it off and cut up the card and ripped up and binned the statement, so i have no records. Any advice will be grately appreciated. Thx:T

nickmack

benadesign84 wrote:

I would like to know if i can reclaim credit card charges, as previously i had a capitol one credit card. They charged me a hell of a lot because i was over the limit and paid late a number of times.

Yes, these are penalty charges and can be reclaimed.

benadesign84

but, how would i reclaim these charges without my details? is it still possible? if it is i am sure to get many hundreds, maybe over a grand.