store cards

Edinburghlass_2

loggers wrote:

I wrote to Barclaycard to claim back a late payment fee of £20 from 2004 and they wrote back saying that they wouldn't refund me the charge as it was my fault as I had made the payment late.

Do I need to accept that I will not be seeing that £20?

Reply to your previous post is here...

http://forums.moneysavingexpert.com/showpost.html?p=3861520&postcount=72

Edinburghlass_2

Evers wrote:

Either I'm being lazy or thick or unable to find it with the search function....

Can you reclaim Credit Card charges as you can with the bank ???????

I had a nasty incident with an ex, who decided to take two of my CCs back in 2002/3 and run up a massive debt just before she left me, she basically made herself aware of my PIN numbers and took the cash outta the hole in the wall.....about £5000.....paid it all back, but I got murdered with charges, wouldn't mind getting those back....

Yes you can claim back on your credit cards. Just change the wording in the letter to the fact that you are claiming back late payment fees or similar.

scabbers

I'm sorry if the answer to this could be elsewhere on the MSE site. I've looked but can't find! I had a credit card from Barclaycard / Capital One. November 2001 was when the card started. I spent money I wasn't able to pay back and ran up lots of charges on the account (late payments, no payments etc) before Barclaycard sold the debt on. (I am still repaying and owe approx £1660). If I get my old credit card statements can I reclaim the charges or does it only apply to banks/building societies?

scabbers

Hello, I know this isn't the place really to ask this ( if anyone can tell me where I should be looking then I'll go there). Can I reclaim charges from a credit card company? I foolishly took out a CapitalOne Barclaycard in 2001 and by 2003 it had been sold on to a debt collector. I'm still paying it off now. Any advice would be much appreciated.
p.s waiting to hear from HALIFAX PLC. wrote ,using MSE template, 2nd letter requesting my money back.

Edinburghlass_2

Yes you can claim using the template letter, just alter the wording to say you are claiming late payment charges or however your c/c terms their charges.

mo1_2

hello everyone,first time post here,just about to fill in ni form,looked at the letter here but it seems to imply banks and not credit cards,anyone got a copy to use for a credit card claim.thanks

niecsey

Hi lm new here too what a great site!!! I have done my first letter to Natwest so fingers crossed. Im a bit confused about storecards... l have an argos card worse mistake of my life! The interest is terrible as lm sure you will all know.... however l havnt paid them late l just have the interest thing going on can you claim anythign for the amount of interest they charge each month even though really l have not been charged for been late with a payment? Just a thought thank you all and hi xx

thomasperfecto

Hi

I have a credit card with Halifax. I had a credit limit of £1200 but because I was young and irresponsible I managed to rack it up to £1500 and couldnt afford to make payments. It has since sored to over £2600.

I'm now in a possition where I can start making some repayments.
However before I do I would like to know if it is possible to have them remove all the charges that they have applied?

I have seen the article on bank charges but am unsure if the same rules apply to credit cards. I am also confused over the interest and weather or not that can be reclaimed.

Any advice would be greatly appreciated.

Tom

tamtim

my credit card is 3000 overdrawn.i make a payment every month but still being charged monthly for being overdrawn.it keeps increasing.are these charges justified ?.can i request these charges be dropped ?.

neo2007

yeah u can claim all this back