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1st time claiming charges- Help!
angelax
Posts: 60 Forumite
Hello,
Im helping my dad to clear his credit cards, in the hope to get everything paid up and closed before christmas.
He has 5 credit cards and one that has been closed and the balance taken over to a lloyds cc.
Ive been very successful in claiming back PPI on one credit card. I dont think any of the others have PPI, I cant see it mentioned on the statements so I assume this means there isnt none?
So now I am planning to claim back the unfair charges. One card was opened in 2004 but some are more recent 2008-2011. I only have statements for the last 1 or 2 months so I will have to ask for full statements from each credit card. Is it worth applying for any cards taken out after 2006? as I assume they will only be charging £12 by this point? will they pay the £12 back? also for the card that was opened in 2004, will I only be given a statement going back to 2006?
There were late charges on all cards each month as my father had difficulty paying them all. So if I am able to claim a % of the charges back it will help greatly
Im helping my dad to clear his credit cards, in the hope to get everything paid up and closed before christmas.
He has 5 credit cards and one that has been closed and the balance taken over to a lloyds cc.
Ive been very successful in claiming back PPI on one credit card. I dont think any of the others have PPI, I cant see it mentioned on the statements so I assume this means there isnt none?
So now I am planning to claim back the unfair charges. One card was opened in 2004 but some are more recent 2008-2011. I only have statements for the last 1 or 2 months so I will have to ask for full statements from each credit card. Is it worth applying for any cards taken out after 2006? as I assume they will only be charging £12 by this point? will they pay the £12 back? also for the card that was opened in 2004, will I only be given a statement going back to 2006?
There were late charges on all cards each month as my father had difficulty paying them all. So if I am able to claim a % of the charges back it will help greatly
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