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Can I claim from credit card

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Comments

  • Kurt_Hamster
    Kurt_Hamster Posts: 791 Forumite
    wee_V wrote: »

    How on earth does 1 person manage to get 7 credit cards. It's CRAZY!!!!! :mad:

    Mostly because they ask for them when they shouldn't, and partially because they have no self control.
    Hamsters have no tact and diplomacy, nor do they want any.
  • Stephen_Leak
    Stephen_Leak Posts: 8,762 Forumite
    1,000 Posts Combo Breaker
    wee_V wrote: »
    How on earth does 1 person manage to get 7 credit cards.

    Too easily, I'm afraid.
    The acquisition of wealth is no longer the driving force in my life. :)
  • wee_V_2
    wee_V_2 Posts: 27 Forumite
    Kurt_Hamster wrote: »
    Mostly because they ask for them when they shouldn't, and partially because they have no self control.


    I totally agree, she should never have got 7 credit cards, but life hasn't been very fair to her. See my post: wee_V Huge debts - urgently need help
  • AlexisV
    AlexisV Posts: 1,890 Forumite
    Say you'll accept part payment without prejudice and will be recovering the rest in court.
  • Stephen_Leak
    Stephen_Leak Posts: 8,762 Forumite
    1,000 Posts Combo Breaker
    AlexisV wrote: »
    Say you'll accept part payment without prejudice and will be recovering the rest in court.

    Its only an offer - this only really works if you've got the money.
    The acquisition of wealth is no longer the driving force in my life. :)
  • Frosty_box_2
    Frosty_box_2 Posts: 59 Forumite
    Hi all

    Whilst requesting information regarding charges made to my old Lloyds TSB bank accounts, I decided to enquire (out of interest originally) about charges made to my credit card account also with Lloyds. I have discovered from July 2002 to March 2005 they have been charging me with 'late payment charges' of £20 a go!

    Surely this doesn't cost the bank £20 a go? After all what action do they actually take that could possible charge £20??

    To date they potentially owe me £278.00! (the Odd amount is due to an odd amout they originally charged me)

    Has anyone actually re-claimed these charges or can anyone offer any advice as to re-claiming these charges

    Cheers in anticipation

    Jo
    Total to pay off as of:-
    May 2007 = £43,424.06 (approx exc mortgate) :confused:

    Trust CCCS, they are the best! helping us since July 2005 and getting us where we need to be! :beer:

    Find your tunnel, and you've found the light at the end :T

    We all will, and can, get there :p
  • skintscouser
    skintscouser Posts: 134 Forumite
    Frosty_box wrote: »
    Hi all

    Whilst requesting information regarding charges made to my old Lloyds TSB bank accounts, I decided to enquire (out of interest originally) about charges made to my credit card account also with Lloyds. I have discovered from July 2002 to March 2005 they have been charging me with 'late payment charges' of £20 a go!

    Surely this doesn't cost the bank £20 a go? After all what action do they actually take that could possible charge £20??

    To date they potentially owe me £278.00! (the Odd amount is due to an odd amout they originally charged me)

    Has anyone actually re-claimed these charges or can anyone offer any advice as to re-claiming these charges

    Cheers in anticipation

    Jo
    hi Jo. Yes. Claim them back. They may well offer you the difference between what they charged and the £12 most apply now. But read through the guidance on here - see Martin Lewis' step by step guide and stick to it. Good luck.
    Halifax WON! Claimed £1549 on 8th Jan 2007, Settled for £1350 on 29th Jan, Paid 7th Feb.
    MBNA (Virgin / Alliance Credit Card charges): WON! Claimed £419 on 17 March, finally offered £425! on 5 June)
    Natwest Credit Card: WON! Claimed £250, got 100% + interest + court costs too.
    Northern Rock: Mortgage Discharge Fee: WON! Claimed £100. Offered £90 and accepted it.
    Natwest Bank / RBS: WON! Claimed £400. Got 100% + interest + court fees back.
    Halifax 2: Ongoing....
  • Camdenite
    Camdenite Posts: 51 Forumite
    Late Payment charges are recoverable in exactly the same was and should be included with any Over Limit charges on your summary of charges. They are still a penalty charge the bank has levied on your account.
  • Frosty_box_2
    Frosty_box_2 Posts: 59 Forumite
    Thanks both

    It's not only my credit card account but hubbys too!! I'll work it all out and hammer the lovely people at Lloyds lol :eek: Like they hammered us in our time of need :eek:

    Thanks both

    Jo:p
    Total to pay off as of:-
    May 2007 = £43,424.06 (approx exc mortgate) :confused:

    Trust CCCS, they are the best! helping us since July 2005 and getting us where we need to be! :beer:

    Find your tunnel, and you've found the light at the end :T

    We all will, and can, get there :p
  • nomadicwesti
    nomadicwesti Posts: 16 Forumite
    Hi,

    received an offer from the RBS which was £300 short of what I asked for...this basically was teh my figure minus interest and I felt was pretty good. That was also teh first I heard from them and as I'd claimed for 6 years and not 5 as is the way in Scotland I thought it was a good offer so well chuffed. An extra £1054 for me to be honest.

    I've now finally received my breakdown of charges from Barclaycard and Halifax. Halifax took a threat of reporting them to the Office for information. They denied they'd received my cheque... luckily my bank sent me a copy of teh cheque which had been cashed!!!! They immediatly sent the statements three days later... Amazing waht a little threat and catching tehm out can have haha

    Anyway, a few questions... Can you stilla dd on interest onto credit card charges ... Is the bank interest charger still applicable and can i apply for £12 charges... I'm going to anyway ... I reckon start with a higher amount and let them haggle you down...from a higher starting point... worked with RBS so why not.

    Is there anything else I need to note which is dofferent from Bank charges to credit card charges?

    Thanks,
    Bryan
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