Can I claim from credit card

Bickie222

Can anyone tell me how to claim back charges on my closed cc accounts without the account numbers?? I know what banks, rough idea of when but no account numbers.....help?!?

ripski

Iwrote to my two closed credit accounts. I checked on my Expeiran records which says when opened and the closed I sent my address ,unchanged and date of birth I read in threads here thatthis is the way and that iti s fairly straight fowards
Reply was 'couldn't find them and had I gotthe right companies ' Could they have more info if poss This response took then quite a while and I now thinkthat it was another delay tactic mena whileI found one number by chance.Both were the correct companies I wrotetothe RBS ,the one with the number and I recieved statements within the week which made me think that they had them ready all the time the second was to Nat west credit I have written as I was right all along withth comany As evereythingiskepton dat bases about us now I do think that it should be difficult to trace if they have name adress ,and dob

clarabella

Hi im new to this. I was wondering is it only bank charges you can apply for or can you do credit cards as well cos i have a heap of credit cards that just have the balance as charges. The majority of my debts are charges. I have applied to get my charges back from Lloyds but as i can see from reading other peoples coments on here that its pretty hard to get anything out of them. My boyfriend has recently reclaimed his charges from the halifax and managed to get all £4300 back which he never expected. So i have started procedings with Lloyds and have asked RBS for my statements as well. If anyone can help i would be very gratefull

Beate

You can reclaim credit card charges with the same methods as bank charges.

clarabella

Thanks for that. So i have to send off the £10 to each company? I know it sounds a stupid question.
:grouphug:

planetm_2

Hello,

I have seen a few posts about reclaiming credit card charges. Can we do this as I can't seem to find information about how to do this? I stilh have balances on these cards - can I still claim? Can anyone tell me the procedure for claiming over the limit charges from credit card companies like MBNA etc please?

Thank you.

Twinkly

planetm wrote: »

Hello,

I have seen a few posts about reclaiming credit card charges. Can we do this as I can't seem to find information about how to do this? I stilh have balances on these cards - can I still claim? Can anyone tell me the procedure for claiming over the limit charges from credit card companies like MBNA etc please?

Thank you.

The procedure and regulations governing credit card charges is the same as bank charges so follow the process laid out in the main article as usual simply adapting the template letters to suit. The only difference is in the name of the charges and you can reclaim Late Payment and Overlimit fees. Good luck

Stephen_Leak

planetm wrote: »

Hello,

I have seen a few posts about reclaiming credit card charges. Can we do this as I can't seem to find information about how to do this? I stilh have balances on these cards - can I still claim? Can anyone tell me the procedure for claiming over the limit charges from credit card companies like MBNA etc please?

Thank you.

Even the Office of Fair Trading’s figure of £12 is still “extravagantly” higher than the cost of administering a late payment or going over your limit and therefore unlawful. All that happens is that the computer adds the charge to your account. You don’t usually even get a standard letter.<O:p</O:p

You can use the letter templates for bank charges with a little bit of customisation. The credit card companies usually try to use the OFT’s ruling as a justification that the charges are correct. They may offer the difference between the current £12 charge and any older and higher charges.<O:p</O:p

Unfortunately, the Financial Ombudsman will also only request that the company involved pays the difference between the current £12 charge and any older and higher charges, so is not an alternative to court proceedings for these claims.

Please read Martin’s article and the Reclaim Bank Charges Help thread.

Beate

And it's advisable to use the court route as opposed to the Financial Ombudsman as otherwise you might only get the difference to £12 back and no interest.

JimmiOO

Ive been wondering about the credit card 2, i have claimed my bank charges and that went well, but where would i send my credit card reclaim to? i used to have a visa and mastercard but ripped it up after a few years of paying charges, i dont have my card number or anything. Any help would be much appreciated