Can I claim from credit card

skintscouser

Frosty_box wrote: »

Thanks both

It's not only my credit card account but hubbys too!! I'll work it all out and hammer the lovely people at Lloyds lol :eek: Like they hammered us in our time of need :eek:

Thanks both

Jo:p

Good luck Jo. Remember that the £12 figure is not legally 'fair'. The bank may well have u believe that it is as they have tried with me and many 1000's of others. No such figure has been decided yet. The OFT pushed the Credit Cards to lower Late Fees down as they were too high. As these fees are automated they would probably be at the lower end of the estimates of the real costs incurred by the banks of between £1 and £4.50. Food for thought? Read through the guides on here and arm yourself with all the facts and templates for your letters.

linda_cahill

hi folks my first time on. could anyone tell me are we able to claim back "late payment fees" on our credit cards?

Kurt_Hamster

Yes you can

alison._2

I havnt made any claims to my bank/s but on reading all the success stories , I was wandering if I could r eclaim my charges for late paying credit card fees?

yil5823

Yes you can for both Banks and credit cards

Stephen_Leak

Yes. The only thing is that the CCC will almost certainly try to also use the OFT ruling and reduction to £12 as justification that the charges are fair and reasonable.

Aren't there any posts involving CCC's in the Success Stories thread? I hope so - I'm taking on MINT!

Stacey01_2

Hi Guys,

Love the site! and have been putting off reclaiming since before Xmas and have decided to take action! Have a few questions and a little scared to be honest.

Q's:
1) The template letter can this also be used for claiming charges on Credit Cards?

2) Have heard the story about the Bank winning the latest case, should we be worried?

Look forward to getting some help!

Many Thanks
S:staradmin

Kurt_Hamster

1) Yes with a minor amendments

2) No

wee_V_2

MBNA have offered my friend a full & final settlement, (which she isn't accepting as it's only £80, when the claim was for a few hundred). Anyway, they're written that they will automatically credit it to her account. Can they do this? She'd rather get a cheque so SHE can decide which of her debts the money goes towards and not MBNA. They will be way down the list behind the mortgage, electricity etc....

Should she write to them and say she will accept the sum offered only as part settlement and only if they send her a cheque?

Kurt_Hamster

It is within the CC companies right to offset any loans in default using the money reclaimed. Though it is possible to negotiate how the payment is made, I wouldn't expect MBNA to be too beneficent given the circumstances,