Can I claim from credit card

davefcuk

suem wrote: »

Can I use the same procedure as listed for reclaiming bank charges from credit card companies? I have sucessfully reclaimed bank charges.

The answer is yes all you have to do is change some of the wording on Martins first letter to include late payment charges etc.
The procedure is exactly the same have a quick look at the success stories thread and you'll see people who have successfully reclaimed from the likes of capital one, barclaycard and mint

Stephen_Leak

In a word, yes. And even the £12 charges since the OFT ruling last year are higher than the cost of administering a late payment and are therefore still illegal. However, the credit card company will probably use the OFT ruling to try to justify these charges.

smudgemanc26

At times like this im glad i hoard everything luckily i have kept all my statements and stored them away so i at least save myself a few £10's! Im in the process of requesting my bank charges back now im gonna claim for my credit card charges as someone advised even the £12 charge is excessive!

Its worth a go for a few letters!

smudgemanc26

Do you go back 6 years for these too like the bank charges?

grimreaper

suem wrote: »

Can I use the same procedure as listed for reclaiming bank charges from credit card companies? I have sucessfully reclaimed bank charges.

CAN BE CLAIMED

Account misuse fee
Cheque return fee
Card misuse fee
Unarranged borrowing fee
Unauthorised overdraft fee
Unpaid DD fee
Unpaid cheque fee
Unpaid standing order fee
Late payment fee (credit cards, store cards, catalogues etc)
Exceeding Authorised Overdraft Limit
Exceeding Unauthorised Overdraft Limit
Direct Debit/Standing Order/Cheque returned fee
Irregular fee
Paid refferal fee
Total charges (HSBC personal accounts only, not business accounts)

CANNOT BE CLAIMED

Cash Machine Withdrawl Fees
Account Service Charges
Service Fee / Annual Fee
Charges related to foreign currency transactions and conversions.
Monthly account fees on certain type of accounts.
Normal overdraft interest charges

davefcuk

smudgemanc26 wrote: »

Do you go back 6 years for these too like the bank charges?

The answer is yes.

Good Luck

smudgemanc26

davefcuk wrote: »

The answer is yes.

Good Luck

OOOOH goodie cant wait to get this one done now see how much ive been ripped off by! :j

hopplefrog

I am about to claim back my bank charges for the last 6 years and whilst doing the letters my wife enquired as to whether it would be possible to claim back the credit card charges too.
These charges would probably run into thousands of pounds, spread across 6 cards during the worst financial dark period you could imagine.
The 'problem' is that we closed these accounts about 15 months ago while we were sorting our financial nightmare.
So my question is this. Can we claim the charges back even if the account has been closed?

GREENY_2

yep you can claim for all of them,good luck !!!!

hopplefrog

Dude / dudette

oh,what great news ,thanks, you make an old fool very happy !!

I'm off to the post office this very afternoon.