Can I claim from credit card

nickmack

icejet wrote: »

After having a success with the bank I have decided to go on with the credit card companies. I am looking for some advice and also want to know if they have forced anyone to close their card accounts. I am with capital one and barclaycard.

Also do I use the same letter templates or are they different to cc companies.

Amend the templates to reflect your credit card charge, remove any references to overdrafts and replace with late fees, exceeding limit or whatever the breach may be.

Capital One discussion:
http://forums.moneysavingexpert.com/showthread.html?t=424509&highlight=capital+one

Barclaycard discussion:
http://forums.moneysavingexpert.com/showthread.html?t=424559&highlight=barclaycard

belandboys

can i reclaim the interest on my card which amounts to quite a lot or is it just the late payment and over limit charges that can be claimed back?

natweststaffmember

My understanding is that you can claim the charges back.

Faisal937

Hi,

Is it possible to claim back late paymen fees on credit cards?

I sent a letter to my bank requesting the amount in late payment fees but they replied by saying:

"The bank belives it is fair to pass these costs on to your account, rather than absorb them into other areas of the organisation".

I'd appreciate any help anyone could give

Thanks

LozBingley

Reclaim Bank Charges Help Thread <- list of charges and help in here!

Don't be fobbed of by the bank and take them to court to maximise the pay out

katiekittykat

Ok so i sent a letter to Goldfish along with my cheque for £10 requesting my statements and they have asked me to send a proof of my ID - ie a copy of my passport of drivers lisence and asked me to fill in a form to request the info - do i do it???

MJgarden

I had an AA credit card which I eventually found out was actually HBOS. Can I use the normal template which talks about overdrafts and direct debits. Do I write to AA card services or HBOS or is it he same thing? i came to the point of putting in the banks name and wondered if AA Visa Card Services were the correct people to write too.
On a different point, is it worth just going into my branch to get the 6 years of statements? I'm with HSBC who are currently trying to "consolidate" my loans again BUT the new loan is higher interest than the one its replacing. Cheeky ferrets must think I was born yesterday. It might even break some code of conduct.

Tabby_Kitten_2

pete-in-london wrote: »

Yes - I have just claimed 100% of late payment fees from Egg. Good luck.

I don't s'pose you have a templete letter for claiming back credit card fees do you? I've just started reading through this thread so I guess there might be something later but it would be very useful.

mo1_2

hi,i claimed from the halifax and capitol one c.c. and just used the same letters as for banks,just amended them a bit,oh i got my charges back,good luck

CHARD_2

Hi can anybody help out!

my question is it possible to claim, from old closed credit card accounts that charged me massive fees for missing a payment, or a late payment.

anybody know?