A basic starting guide

Mad_Hatter_2

I would send the leter and get your full 6 years of statements.. you then compile a list of charges and send the list back to them asking for repayment...

You only need to copy the statements should it get to court stage.

i_wanna_save_money!

Is it possible to reclaim charges off a credit card? I had a RBS credit card that had lots of charges on them.

Also, how would I go about it? Would it cost £10 to have all old statements sent to me? Then I imagine I would highlight all charges, and send template letter ( can someone post a link to this please as I can't find it ) to RBS credit card dept.

Is that what I would need to do? I know I am asking basic questions, but it is the first time I have ventured over to this section of the forum, and find it very easy to get 'lost' in all the topics.

Thank you.

shamu95

Hi,not an expert at all but it definately is possible as i've just got a refund from Capital One. I didn't have to pay for the information. I sent a letter asking for it- it arrived so i sent a letter asking for it and they gave it. On one account anyway. Sorry can't help with the rest but Good Luck

Edinburghlass_2

You'll find a basic guide in post 8 in this thread and the links to the templates are in Martin's article below. Just change the wording to read you are claiming back late payment fees and/or over limit fees.

Step-by-step Guides: Bank Charges: Reclaim Your Cash | Bank Charges Video Guide | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

Reclaim Help Thread with addresses etc is linked in my signature.

stunterQ

Do you know the address at Nat West that I should send the 1st Letter to requesting all statements etc pleeze and do I need to send the cheque to that address??

postycon

i have looked at the money claim but it doesnt seem to tell me how much i would have to pay if i get that far , does everyone have to pay as i am not in the position to do so , can you tell me where to look , also i have a number of credit cards i could claim from but they would all want 10 pound to send statements out is there anyway around this thanks

Edinburghlass_2

You'll find the addresses you need in posts 1 and 2 in the Reclaim Help Thread and also links to what court fees are due and also one for exemptions of court fees. Also a basic guide to listing your charges. The link to the Reclaim Help Thread is in my signature.

esmerellda

postycon wrote: »

i have looked at the money claim but it doesnt seem to tell me how much i would have to pay if i get that far , does everyone have to pay as i am not in the position to do so , can you tell me where to look , also i have a number of credit cards i could claim from but they would all want 10 pound to send statements out is there anyway around this thanks

If you are exempt from court fees you will need to file with the court manually using the N1 form and the EX160. both are available from https://www.hmcs.gov.uk .

esmerellda

http://www.hmcourts-service.gov.uk/HMCSCourtFinder/GetForm.do?court_forms_id=168
thats the ex160 form
http://www.hmcourts-service.gov.uk/HMCSCourtFinder/GetLeaflet.do?court_leaflets_id=172
thats how to use the ex 160 form
http://www.hmcourts-service.gov.uk/HMCSCourtFinder/GetForm.do?court_forms_id=338
thats the N1 moneyclaim form

bigbadwolf1970

do I add 8% interest to each charge that was made? I'm on the second stage of my claim, have got my statements and they owe me approx £1500. Can someone send me a online calculator to do it please as I'm not quite getting how this works. On telly, Martin Lewis said add 8% to the final amount of your claim but on some of these other sites, when you add 8% from 7 years ago it adds it up so that the 8% back then is worth alot more than it is now and I don't understand, Please can you help? thanks BBW:j