Tesco Credit Card

nickmack

Kmfry wrote: »

I sent the first letter to Tesco Credit card requesting 6 years worth of transactions on my account. I have recieved their response back but it is not a printout of my transactions on the card, it is just a summary of charges which have been applied to my account.

All the charges are shown as £12, is this the correct response from credit card compaines or is Tesco trying to wriggle out of giving me money back. I am sure that I have been charged £30 in the past.

Am i within my rights to write back and ask for a full list of transactions on my account, also will I have to resend another cheque for £10.

In the template letter, you ask for a list of charges. This is fine, as it should provide all of the information you need for a claim.

Depending on when the charges were incurred, they may be set at the new level (£12) since the OFT published their report (April 2006) on Credit Card charges. This does not mean you cannot make a claim for this amount though. The OFT figure was an amount they would not take action against the company at, not an actual calculation of their costs.

fiveyearplan

I thought you could ask for the £12 charges back. What if you get £12 over limit fee charge and £12 late payment fee both in the same month.

pjttlk

fiveyearplan wrote: »

I thought you could ask for the £12 charges back. What if you get £12 over limit fee charge and £12 late payment fee both in the same month.

I am about to have a go on this one with Tesco:

This year I got hit for the following for the same bounced direct debit into the account:
31st Return Payment Fee £12
1st Late Payment Fee £12
7th Overlimit fee £12

My line is that
1) the penalty charges are out of line and illegal
2) the charging of £36 for one return payment is a cynical attempt to work around the £12 threshold for action indicated by the OFT

ladyluck_3

I have written to Tesco personal finance asking for copy statements so I can check what I have been charged with regard to insurance charges however I have received a letter this morning from them requesting a cheque or postal order for £10 to provide this information are they allowed to do this?

Thanks
Miranda

Mark7799

Yes - it is a fee they are allowed to charge under the Data Protection Act

ladyluck_3

Okay looks like I shall be sending a cheque then, thanks for the reply

Miranda

lees6771

Sent first letter to Tesco Personal Finance and just received a standard reply saying that the charges are in line with the Office of Fair Trading standards. Should i now send a further letter or not

Orford

Should i now send a further letter or not

Of course, in court it's the law that applies not OFT guidelines.

markbeth

I am slightly confused over what we can claim for. I recently applied to Tesco for a list of charges over the 6 years that I have been with them.

They sent me a statement detailing all my late payment charges (free of charge), however most of the charges even prior to 2006 were for £12.00. There is only one charge for £15 in 2005.

Can I still make a claim or the £12 charges deemed to be fair?

Has anyone made a claim against Tesco?

Thanks

cot1198

markbeth wrote: »

Hope someone can help, as I am a little confused.

I wrote to Tesco to ask them for a list of charges, they sent me the full statement of charges back (foc) but they have only ever charged me over £12.00 once in 2005, all the other charges for late payments have always been for £12.00. Can I still make a claim for the £12.00 and has anyone actually succeeded in doing this, or am I flogging a dead horse so to speak?

If you get it back after one letter then yes
but I have paid out over £5 in recorded delivery letters to natwest and it did not get as far as the FOS.
It could end up costing you more to send letters than you are claiming