Am I too late to claim back excessive credit card charges?

Catcherupper14

Hi


I had some problems with a credit card some years ago, partly because of the huge charges they were adding when I got into trouble.


It made me really ill each time I had to phone or write to them, and once I had paid off everything I tried to put the whole issue out of my mind.


I feel the charges were unfair and punitive rather than reflecting their costs. Is it too late to try to reclaim some? I have very little information as I blanked it out.

dunstonh

I feel the charges were unfair and punitive rather than reflecting their costs.

How much did you work out they should be in your analysis of their costs?
How much were they each?

The OFT set the level at £12 each as acceptable.

PlutoinCapricorn

This article may be useful:

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

I just said that I had seen a TV programme about excessive charges, and got a refund 4 years after the event.

Catcherupper14

dunstonh wrote: »

How much did you work out they should be in your analysis of their costs?
How much were they each?

The OFT set the level at £12 each as acceptable.

Some of the "fees" were over £25.00.


I certainly don't have a problem with paying £12 which is what another card charged me once for a missed payment when a DD went through late.


I did not do an analysis of the costs - I used the £12 as a benchmark. To analyse their costs I would need their detailed accounts for the period, which I feel is a step too far.

dunstonh

Go to them on the £25 charges then and say they are too high and unfair and see how you get on.

Catcherupper14

Thank you - I will do that.


As far as I recall those charges were imposed on at least 4 occasions within a 2 week period.


Other times over the years I had to pay something around the £12 mark, which is what I was expecting and have no issue with.


The problem is that I have very little information. I shredded all the paperwork as it was upsetting me and making me more ill.


Still, I will try. Who knows if I will get anything.

(I feel as though I was the only person who took out PPI and wasn't mis-sold as I made sure I understood all aspects at the time - did no-one else?)

brown1950

Catcherupper14 wrote: »

Hi


I had some problems with a credit card some years ago, partly because of the huge charges they were adding when I got into trouble.


It made me really ill each time I had to phone or write to them, and once I had paid off everything I tried to put the whole issue out of my mind.


I feel the charges were unfair and punitive rather than reflecting their costs. Is it too late to try to reclaim some? I have very little information as I blanked it out.

If it helps Barclaycard for example have been refunding customers
all these charges (not just £12) plus interest.