Can I claim from credit card

collette4

I have requested my details for the last six years on my bank account and now want to try with my credit card, not sure what you can claim from this though so any info would be helpful.

Can you claim back late payment charges?:

:j

Twinkly

collette4 wrote: »

I have requested my details for the last six years on my bank account and now want to try with my credit card, not sure what you can claim from this though so any info would be helpful.

Can you claim back late payment charges?:

:j

Yes and Overlimit charges. Barclaycard have one called an Out Of Order charge at a whopping £40 that is reclaimable too. Good luck

collette4

Thanks Twinkly, much appreciated because I think the late payment charges are where I have been charged the most so hopefully will get something back, can you also tell me, did you use the same letter format for your claim on credit card as you did with your bank account?

collette

Stephen_Leak

Yes, late payment charges are claimable (even the £12 ones since the OFT ruling in April 2006), as they are still "extravagantly" higher than the cost of automatically administering a late payment. The same templates can be used with a little bit of customisation.

However, due to the OFT ruling, expect a standard reply to the effect that "the OFT said the charges are OK, we warned you about them in the T&Cs, and we think they're wonderful".

I am currently at the MCOL stage of a claim with MINT.

andrea8_2

I am new to this reclaiming and have just send off to RBS to claim for bank charges charged to me over the last 6 years, like many others i was in credit and they have since in may charged me £90 for last month putting me in the red.... what sense does that make.

I really would like someone to let me know if i can claim by late payment fees with credit card companies and loans???? and if so, is it the same letter i use etc and can i claim back interest??

Thank you for your replies..

smudgemanc26

See thread about this

http://forums.moneysavingexpert.com/showthread.html?t=450067

andrea8_2

Thanks for that, i will now get some more letters printed and send them to d
the culprits, maybe i can repay my credit card with the late payment fees etc..... like you i will not get one ever ever again!!:D

smudgemanc26

andrea8 wrote: »

Thanks for that, i will now get some more letters printed and send them to d
the culprits, maybe i can repay my credit card with the late payment fees etc..... like you i will not get one ever ever again!!:D

No probs im going for the whole hog now - wrote to everyone gonna try and get every single penny back if i can - i hate them i hate them!! haha

Jen x

chantelle75

does anny one know a address in england i can use for my moneyclaim online for halifax card services thanks

smudgemanc26

chantelle75 wrote: »

does anny one know a address in england i can use for my moneyclaim online for halifax card services thanks

Have you tried the thread on the main board with all info on it heres the link

http://forums.moneysavingexpert.com/showthread.html?t=400981