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Claiming Back Credit Card Overlimit Fees - Possible?

The credit card is with Capital One and not my bank.

First of all before I explain the problem, I know this was my own fault but could really do with getting the money back or just some of it, which I would then use the full amount to pay off towards my current balance.

The problem is...I admit to you all I have NOT been checking my statements for this particular card. I have been concentrating on paying off my other cards which have a higher interest rate and recently did clear one, then I was looking into this one properly and I realised for a LONG time I have been getting charged overlimit fees each month, they used to be £20 then recently changed to £12, but I have had a direct debit setup since I got the card and it always was taken out of my account and I did not get a single letter explaining to me that I am over my credit limit and that I had been charged for this! Should they have sent me a letter and can I claim back these charges like it is possible with Bank charges or is just my own tough look, my own fault, and I have nobody else to blame but myself for being so stupid.

I'm really annoyed at myself for letting this happen and I know some people are just going to think I am an idiot but I just need some advice on if i can get any of this money back and get on top of things? I have already sent a payment today to cover what I am over (due to the fee) and I am increasing my payments now since I paid off my other card which is now a closed account.

Just want to get on top of things :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad:

EDIT: I am NOT currently spending on this card atall and haven't for a long time. Just trying to get out of this long tunnel of debt and this is a big blow to my efforts :(

Comments

  • thesaint
    thesaint Posts: 4,324 Forumite
    Part of the Furniture Combo Breaker
    You can get these charges back, go to the 'reclaim bank charges' section of this site.
    Well life is harsh, hug me don't reject me.
  • thesaint wrote:
    You can get these charges back, go to the 'reclaim bank charges' section of this site.

    I used the template for reclaiming bank charges and amended it as i saw appropriate. Was that right?
  • thesaint
    thesaint Posts: 4,324 Forumite
    Part of the Furniture Combo Breaker
    Yes, that's correct.

    Good luck
    Well life is harsh, hug me don't reject me.
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