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

daveturney

allthough i can claim on a closed account, i do not have the account number and have changed addresses now? should i add info on my previous address in the 1st letter?

can i claim back on charges dixons made to me for missed payments?

can i claim back from a dixons storecard ( seperate card to the above ) on missed and / or late payments.

my 2 dixons accounts are both cleared now but can i claim back from these store cards allthough closed, and without having account number too hand?

thanx

Twinkly

Write to them giving them your full name, date of birth and all present and previous addresses. It is worth mentioning if you continued receive account information after each change of address since they may claim not to have your full details on record

Good luck

Magneto_2

Hello,

Could anyone post a template for reclaiming credit card charges here, I have looked ''all over'' the forums and have seen many people ask if there is a template anywhere. I know it's just a slight change of wording from the Bank charges template, but think it would be very appreciated if it was given its own thread.

Thanks in advance

Magneto

Edinburghlass_2

Use the bank template letter and change the wording to say you are claiming late payment fees and/or over limit fees.

GAOrmerod

Hi all,

I sent a request for 6 years of statements to Halifax Card Services on 20th Feb 2007 and enclosed a cheque of £10 as advised. However I made a follow up call this morning and have been informed that they haven't receive my letter but they will collect my statement and send them out for me in the next few weeks.

Can anyone help me please as I haven't got a clue want to do now. Should I resend another letter or just wait?

geezza1978

GAOrmerod wrote:

Hi all,

I sent a request for 6 years of statements to Halifax Card Services on 20th Feb 2007 and enclosed a cheque of £10 as advised. However I made a follow up call this morning and have been informed that they haven't receive my letter but they will collect my statement and send them out for me in the next few weeks.

Can anyone help me please as I haven't got a clue want to do now. Should I resend another letter or just wait?

i would send another letter but ALWAYS make sure you send everything recorded delivery it cost an extra 60p'ish but then they cant use the old line of "we never received your letter"

chamb7914

I recently asked for a comprehensive list of 6 years worth of charges etc etc from Halifax. To there credit they were swift in there response and my statements arrived. I followed up with the second letter saying i was claiming xyz as a result of unlawful charges. However becuase my account had been put in the hands of there collection agency and i was under a DMP they are saying that i have no rights to a refund. 2 questions

1.

chamb7914

I recently asked for a comprehensive list of 6 years worth of charges etc etc from Halifax. To there credit they were swift in there response and my statements arrived. I followed up with the second letter saying i was claiming xyz as a result of unlawful charges. However becuase my account had been put in the hands of there collection agency and i was under a DMP they are saying that i have no rights to a refund. 2 questions

1. Are they right have i no right to claim
2. I am sure that as the charges were incurred before i embarked on the DMP i can claim them within the 6 years even if they get deducted off the running total.

Any advice would be good

Thanks

zengintepe

Can I claim bank charges back from accounts which I have previously closed?

robertbakermail

RBS charged me a fortune between 2 and 6 years ago, but I closed the account - primarily because their charges were so high! Given that I closed the account 2 years ago, can I still register my claim for a now defunct account?