store cards

Edinburghlass_2

bukhaariuk wrote:

Can you reclaim charges from credit card companies like you can from banks ?

If you can is it too late to reclaim charges if you have closed the account ?

Yes and no

Boonbetty

My OH got into trouble with his credit cards when he lost his job. I was able to help out with an inheritance, the credit card companies all took short settlement. Can my OH now claim unfair charges? Or is that taking the you know what? He has a poor credit rating because his defaults are listed even though the credit card companies are not pursuing him further.

arism74

Hi guys, new to this site, first posting ever. Just a question: I want to start this process of reclaiming charges from my Debenhams store card, which is run by GE Capital, but I cannot find the address I have to send the first letter in the list at http://forums.moneysavingexpert.com/showthread.html?t=304064

On the statements I receive there is the address GE Money, PO Box 848 Liverpool L71 2XX but I'm not sure, is this the correct one? If anyone knows the address, I'd be grateful.

Aris x

Edinburghlass_2

Use the address on your statement at least to start with and see if that is the address they reply from.

arism74

Thanks for that. Something else: I also want to claim charges from my NatWest credit card acccount - should I send the letter to the same address as the one for Natwest bank accounts that is on that page (i.e. 'Mr Alex Lyons, etc.') or is there a diferent address for NW credit cards?

mel1905

I would like toclaim charges from my virgin credit card, can they ask me to repay my balance if I do?

timeport4

Can someone advise?

please martin do you know??

Credit card charges.....

What are we trying to reclaim? is it the all charges for last six years or the charges minus the £12 new fine that has been imposed????

Anyone?


Thanks

maniac886

timeport4 wrote:

Can someone advise?

please martin do you know??

Credit card charges.....

What are we trying to reclaim? is it the all charges for last six years or the charges minus the £12 new fine that has been imposed????

Anyone?


Thanks

Its all charges for last 6 years...here is some info from the CAG.

Q. I saw something about the OFT..... Can credit cards charge me £12?

A. NO. The Office of Fair Trading (OFT) issued a directive to credit card companies to set a point at which they (the OFT) would intervene on behalf of the consumer. They did not state that £12 was lawful - in fact they stated that only a court can decide. "A fair default charge should not exceed a reasonable estimate of certain limited administrative costs which the credit card issuer reasonably expects to incur as a result of default"

In other words - reclaim the full amount unless they are willing to show the evidence of what it does

GLEKA

I am pursuing my bank, but recall I heard Martin, on radio 2 near the end of last year, indicate the unfair charges applied to credit card companies aswell?

nickmack

GLEKA wrote:

I am pursuing my bank, but recall I heard Martin, on radio 2 near the end of last year, indicate the unfair charges applied to credit card companies aswell?

Yes, you can reclaim from Credit Cards.