Reclaiming store cards!

Peej81

Hi I'm new to this site.. Been reading through the forums and can't find the answer to my question which is... Does anyone know if I can reclaim charges on a store card? The account was with GE Capital, I opened it in April 2004 and settled the account around about 2007-8, completely forgot about it until I requested a credit report which tells me the account was with Santander who closed the account in 2009.

I remember these charges were usually more than the minimum monthly payment and now I'm wondering if I'm too late to claim anything back, or can I request info on charges going back 6 years from 2009???

Aquamania

Peej81 wrote: »

Hi I'm new to this site.. Been reading through the forums and can't find the answer to my question which is... Does anyone know if I can reclaim charges on a store card? The account was with GE Capital, I opened it in April 2004 and settled the account around about 2007-8, completely forgot about it until I requested a credit report which tells me the account was with Santander who closed the account in 2009.

I remember these charges were usually more than the minimum monthly payment and now I'm wondering if I'm too late to claim anything back, or can I request info on charges going back 6 years from 2009???

Unfair store card charges can be reclaimed following the same advice as per the reclaiming unfair credit card charges article.

Note that the 6 year backdating limitation applies from date of complaint, not the date of account closure.

Note also a card provider may no longer hold any data at all on an account closed 5 years ago.