store cards

Danpetty

Unfortunately I'm a student so my credit rating isn't the best. Anyone know for sure if they would be within their rights to ask me to pay it off immediately?

nickmack

Danpetty wrote:

Anyone know for sure if they would be within their rights to ask me to pay it off immediately?

They can give you notice to repay the existing balance.

It's unlikely with Credit Cards this will happen, but you should take this into consideration.

bluesky_2

Can barclays close a current account if I claim back charges on barclycard, or are barclays/barclaycard 2 different things?? Thanks for all the fab advice and support!

Danpetty

nickmack wrote:

They can give you notice to repay the existing balance.

It's unlikely with Credit Cards this will happen, but you should take this into consideration.

Any idea how long this notice could be?

Tony_Soprano

Just after some advice please.

I have already successfully claimed back charges from my Bank, First Direct, bit Ive read on these forums, that you can do the same with Credit Cards too?

Unfortunately, the Credit Cards Im referring to, I have subsequently cleared and disposed of any information I used to hold for them, like account numbers, addresses etc. Although I do remember getting charges on most of them at some point.

The cards Im talking about are...

American Express
Goldfish
Providian
Morgan Stanley Dean Witter
Capitol One
MBNA
Monument (this may be the same as Providian - cant remember)

Firstly, does anyone have a relevant contact address and/or email for the Card companies listed above? And can I request account details and statements etc dating back 6 years, providing I give them my details and past addresses?

Any advice would be gratefully recieved.

Thanks.

Danpetty

Also does it weaken my position to have arrears on the relevant credit card accounts? I realise it would be better not to have but these charges are partly the reason I am in arrears to start with. Is this a valid argument?
Dan

sueziepink

justruth wrote:

word of warning about barclays, they drag their feet and makeyou take it the distance, but they settle the day before the case is due to be heard in court. If I warn you now, you can save court fees, allocation questionaire fees and get all the paperwork done with loads of time.

We checked with Court today no responce to our claim have untill next wednesday to enter defence.
We were with the Woolwich that have now been taken over by Barclays

dj9928

I was unemployed for about a year due to ill health and on incapacity benefit, MBNA where not willing to help and charging me all sorts of fees even though I was paying what I could afford they where crippling me charges, can I claim these back??

And on the bacnking side of thing I know you can claim back over drawn fees but can I have on a few occasions been a £1 or so short for direct debits and got charges a £38 fee not having enough funds, can this be claimed back?

Thanks

johancheeze

Last year i fell behind on some payments to my catalogue. They then started to charge me upto £25 a month in "administration fees" i was wondering would i be able to reclaim these charges aswell?

nickmack

If they are penalty charge, yes. Other people have successfully reclaimed from catalogues.