Post 2006 charges

katie100

Hello,

I am using Martin's guide to reclaiming unfair credit card charges. I have dug out as many of my old pre 2006 statements as possible. I also applied to my credit card company for past six years of statements and they have sent them to me. However, these date from 2008 onwards and the charges on some of them are as follows

- Late payment charges £12.00
- returned direct debit charge £12.00
- overlimit charge £12.00

Am I able to apply for a refund on these kinds of charges? I understand the OFT recommended charge is £12.00 and from 2008 onwards I have been getting charged this amount. Some months all 3 of the above charges have been applied meaning I have been charged £36 in total that month.

My older statements show charges of £20 at a time so clearly above the recommended amount but just want to know if I am eligible to claim for the £12.00 charges.

many thanks to anyone who takes the time to reply to this.

dunstonh

Some months all 3 of the above charges have been applied meaning I have been charged £36 in total that month.

Three very different charges but the same amounts. So, its not unreasonable to be charged three times for the three lots of work you have created.

Am I able to apply for a refund on these kinds of charges?

They are within the OFT limit. So, cant see why the provider would entertain a request to refund. Older ones with higher amounts yes, but these dont seem to have any justification for refund.

katie100

Hi,

Thanks for the reply. That is what I was thinking too. I am just confused by the section in Martin's guide which states:

How much should I ask for?


Charges after June 2006. For any charges on or after June 2006, you were probably hit for £12 each time. As this is already set to the OFT-recommended amount, you simply need to ask for the full £12 amount to be refunded.

I read this as asking for the full £12.00 to be refunded??

dunstonh

I read this as asking for the full £12.00 to be refunded??

You can ask but they can say no and refer you to the OFT limit. You can ask about anything you like. Doesnt mean you will get it.

brown1950

katie100 wrote: »

Hi,

Thanks for the reply. That is what I was thinking too. I am just confused by the section in Martin's guide which states:

How much should I ask for?


Charges after June 2006. For any charges on or after June 2006, you were probably hit for £12 each time. As this is already set to the OFT-recommended amount, you simply need to ask for the full £12 amount to be refunded.

I read this as asking for the full £12.00 to be refunded??

As an alternative suggestion to the normal banking 'defenders' on this site - Yes you can ask for the £12.00 fee's to be refunded along with interest as charged to you ! Normally the Card providers will not refund these charges of £12.00 however if you proceed via the small claims court you
will win - The credit card company will not want to get these charges examined in the court hence the normal 'Goodwill gesture payment' just
prior to the court date.

katie100

Hi,

Thanks for replies. Much appreciated. Has taken me most of the day so far to get through all the statements I have which date back to 2001. Charges there go from £15 - £30. Just trying to work out what to claim for as if you haven't done anything like this before - it can be complicated to start with. Getting the hang of it now though. Very grateful for this website and forum however!

Thanks again

Nasqueron

The banks won the "unfair" charges court case in 2009, they will reject any attempt to reclaim fees if you start making reference to that sort of thing. You may indeed get nothing at all based on this court case. If you are in financial hardship now explain this to the bank and see what they offer you e.g. a few months charges maybe - don't expect to get all the charges since 2006 back.

Ignore Brown1950's advise unless he/she is willing to pay your court case fees and cover any losses if the bank defends the action - you do not want to take court action.

brown1950

Nasqueron wrote: »

The banks won the "unfair" charges court case in 2009, they will reject any attempt to reclaim fees if you start making reference to that sort of thing. You may indeed get nothing at all based on this court case. If you are in financial hardship now explain this to the bank and see what they offer you e.g. a few months charges maybe - don't expect to get all the charges since 2006 back.

Ignore Brown1950's advise unless he/she is willing to pay your court case fees and cover any losses if the bank defends the action - you do not want to take court action.

What the hell has this got to do with bank charges ???? This is about
credit card charges which were not part of the Supreme Court decision.
I talk from experience when collecting these credit card penalty charges- Issue proceedings in the small claims court - you will get your money back plus interest plus costs- Just Google The Consumer Action Group website and you will see how its done. Unless your Particulars of claim are wrong no credit card company will defend this type of action.

roonaldo

brown1950 wrote: »

What the hell has this got to do with bank charges ???? This is about
credit card charges which were not part of the Supreme Court decision.
I talk from experience when collecting these credit card penalty charges- Issue proceedings in the small claims court - you will get your money back plus interest plus costs- Just Google The Consumer Action Group

I switched off here

brown1950

roonaldo wrote: »

I switched off here

Then try the following :-

http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**

JuicyJesus

roonaldo wrote: »

I switched off here

I hope OP does too. CAG are really good at encouraging people to undertake legal action even if it hasn't got a hope in hell of succeeding, but then anonymous internet users don't have to worry about bearing the cost of that do they?