Can I claim from credit card

virgin_moneysaver

Colnem wrote: »

Hi all
First post so here goes. Sent 1st template letter requesting information on 24th September 2007. Recieved letter today saying as a gesture of goodwill and not accepting liability or error they are prepared to pay £56.16 as the difference between origional £20 and current £12 and includes any associated intrest charges.

Should i accept?

Also says to complete the form to accept and return in the enclosed envelope.Guess what .......NO Envelope!! cheap skates.

The total charges for 6 years are £36 over limit fees & £148 late fees.

Cheers
Colin

the ruling by the official body was that £12 was a fair price so I think you can only hope for & expect the difference between the 2 fees

nickmack

Banaster wrote: »

Do you think that it's feasible to factor in a percentage charge of 25% not 8% when I reclaim my charges?

Your not actually entitled to the 8% unless it goes to court and it's awarded by a judge. It's up to you, but I wouldn't try and claim 25% as I don't think you could provide convincing evidence to a court shoudl it be requested.

Carol57_2

I went through the FO and got full amount back from Mint after I turned down the offer of difference between £12 and £20 and I am just waiting on payout from Natwest having turned down their offer as well.

vectraman

I recieved all my statements albeit after a long wait from Citcards for Standard £10 fee

Edinburghlass_2

New Credit Card discussion thread is here...

http://forums.moneysavingexpert.com/showthread.html?t=571302

and Martin's new Credit Card specific article is here...

http://www.moneysavingexpert.com/reclaim/credit-card-charges

The above article has template letters for credit cards and its own POC.