new to the forum and want to claim back cc charges

need_my_money_bk

hi all i have 3 credit cards 1 with vanquis nearly cleared £39.89 to pay had a arrangement on this so currently not paying interest
1 capital one master card owing £204 credit limit of £500 again not paying interest and capital one visa owing £332 £200 limit currently paying interest as they refused my offer of repayment.

i just need to know the process of claiming back all charges or what im entitled to anyway also what address do i need to send the letters to any help is much appreciated thanks all

Atom

I don't think your entitled to anything ? Should be "they need there money back" not you - you spent it.

Infact you can check here

Should be able to direct you.

jonesMUFCforever

I agree nothing to claim here.

need_my_money_bk

there has been loads of over limit charges and late payment charges so why no claim what is so different from everyone else making a claim

its taken me about a year to get these cards within there limits

Atom

Thats nobody's fault but your own mate - the charges etc would have all been explained in the T&C's, if you can't afford to pay them back don't use them.

Anyway i posted a link above - check that, im not sure if it applies to you though.

need_my_money_bk

Atom wrote: »

Anyway i posted a link above - check that, im not sure if it applies to you though.

so what is the differance between my case and most other ppl here that have claimed i'm confused

chanz4

yours is recent , besides any refund would be theirs anyway

need_my_money_bk

chanz4 wrote: »

yours is recent , besides any refund would be theirs anyway

charges still go back 6 years or so and if what i claim/dont get pays off what i owe the its a bonus

ILW

What makes you think the charges are illegal?