Claiming Credit Card Charges - only £20's and not £12's?

Gemerald

Would love some advice....

I want to start proceedures for claiming back my credit card charges. The charges used to be £20, and have now been reduced to a deemed 'reasonable' £12 - does this mean I am only eligable to claim the £8's in difference for past charges and nothing for the recent £12 charges, or are all of these charges 'unlawful'? Also, would love advice on whether its better to claim charges with or without interest? Would love to hear from anybody who has/or is claiming credit card charges back....

Many thanks in advance

Beate

Claim for the whole charges, they will refund. My OH has got all charges back in full (plus interest and court costs) from Capital One, once he filed a claim.
Claiming interest on charges before going to court can only ever be used as a bargaining tool. Only once you file the court claim are you entitled to receive statutory interest. There is no harm though telling them that if they don't refund you now, so and so much interest will be put on top once you file a claim.

Stephen_Leak

I am currently in the first stage of claiming these, albeit only 1 x £20 and 2 x £12. Even the reduced £12 charges are more than it costs to automatically administer a late payment, so are still illegal. Therefore, claim for them in full. They will, of course, try to fob you off with the OFT ruling, but this is totally irrelevant, as the OFT don't make the law.

As Martin says, you aren't legally entitled to interest unless awarded it by a court. Of course, it all depends on the amount involved - mine is only approx. £3.50 to date, so I have decided not to claim it. It isn't much in the way of a bargaining tool anyway! I also think that, as I am challenging the charges on the grounds of their legality and the greed of the banks/credit card companies, I cannot do the same thing myself.

Gemerald

Thanks so much for your time and advice.

So i'll claim for it all, minus the interest and keep my fingers crossed!

Cheers again