Credit Card Reclaiming Success Stories

joncow75

Provider: Mint
Amount Reclaimed: £312
Amount they paid: £362.88

Sent first letter on 23rd April requesting information and got very quick response with charges on. Sent off first request on
4th May asking for £312 (without interest) and got response saying thanks but no thanks. Replied back that I wasn't happy and got offer sent out on 3rd June saying ok then, have £362.88. Signed confirmation and off it went to Mint today. If anyone is claiming from here then just ask again once they send a firdt rejection (or offer for anything above £12) they will pay the full request back on the next letter to them

lush1

PROVIDER: capital one
AMOUNT RECLAIMED: 1150.68
AMOUNT THEY PAID : 1095.38
THE STORY:

Sent first letter in march, waited 2 weeks no reply, sent second letter, after 2 weeks i recieved reply to my first letter basically telling me to go away. After another 2 weeks i rang them to be told they had sent me an offer letter of £150.00 i never recieved this, so rang them again told them i had not recieved and that i would not be accepting that offer anyway, they told me they would revise the offer and today received a offer of above amount which i have accepted. thanks to all on this site for there help. now to tackle citifincial for ppi and citicards for credit card charges.

faith1706

Provider: Barclaycard

Amount Reclaimed: £408 charges + £99.46 interest = £507.46
Amount they paid: £368 charges + £184.92 interest = £552.92 :j

Sent my first letter on 22nd April 2010 requesting that they pay back all my charges. Recieved 2 letters stating that they are currently looking in to the situation.

Have opened the post today & they are refunding me £552.92 its more than i worked out which is a great result.

They will be crediting the money in to my Barclaycard Account though, at least it will knock my balance down but was hoping to recieve a cheque!

Just want to say a HUGE THANK YOU to everyone at MSE & all their advice, just need to chase Capital One now & start my PPI claiming

Thanks Again :dance::j:D

Cocorico123

PROVIDER: Halifax / Intelligent Finance
AMOUNT RECLAIMED: 288.00 + 8% interest 61.07
AMOUNT THEY PAID : 349.07
THE STORY:

Sent first letter on the 8th June, got a response this morning dated 17th June saying they will credit £349.07 to my account. Just checked and it's in there already. Quite frankly I'm amazed, I am on a DMP and this means the debt will now be paid off in just under 6 months rather than 12! Thanks for all the useful advice on here everyone!

Rainbow_Liberty

Received two letters from the FOS today to keep me up to date on my claim, won't write the letters out in full but the paragraph that interests me most is

"As you will know, your credit card provider argues that the charges it has made to your account were levied fairly and in accordance with its tariff. So it has chosen not to make you an offer that fully meets your claim.

Because of that, it is necessary for us to investigate the matter in more depth. As previously explained, we have written to your credit card provider to invite it to either:

make a revised offer which meets your claim in full; or
provide us with the information that we need to reach a conclusion on the merits of your claim."

Maybe I'm just being hopeful but that doesn't sound too bad at the moment does it ?

leclerc

Rainbow_Liberty wrote: »

Received two letters from the FOS today to keep me up to date on my claim, won't write the letters out in full but the paragraph that interests me most is

"As you will know, your credit card provider argues that the charges it has made to your account were levied fairly and in accordance with its tariff. So it has chosen not to make you an offer that fully meets your claim.

Because of that, it is necessary for us to investigate the matter in more depth. As previously explained, we have written to your credit card provider to invite it to either:

make a revised offer which meets your claim in full; or
provide us with the information that we need to reach a conclusion on the merits of your claim."

Maybe I'm just being hopeful but that doesn't sound too bad at the moment does it ?

Your doing fine and I would expect them to fully refund the amounts you have asked for.

Maiden98

Provider: Virgin (MBNA)
Amount Reclaimed: £525 + £129.92 interest
Amount they paid: £525 + £129.92 interest
The story:
Sent my £10 off to get list of charges which they returned.
Sent off initial letter with charges plus interest. Got a return letter offering £117 (this being the difference between the £25 charges and £12) noting that they disagreed with my argument blah blah.

Sent off 2nd template threatening court and 2 weeks later received balance for the whole amount claimed.

Claimed so far and won:
£548.42 ppi on Alliance & Leicester Loan
£503.31 ppi on MBNA c/card
£654.92 chgs on MBNA c/card
Total £1706.65

Next on the hitlist: Halifax.

joncow75

Maiden98 wrote: »

Provider: Virgin (MBNA)
Amount Reclaimed: £525 + £129.92 interest
Amount they paid: £525 + £129.92 interest
The story:
Sent my £10 off to get list of charges which they returned.
Sent off initial letter with charges plus interest. Got a return letter offering £117 (this being the difference between the £25 charges and £12) noting that they disagreed with my argument blah blah.

Sent off 2nd template threatening court and 2 weeks later received balance for the whole amount claimed.

Hi, could you tell me how long it was between your letter asking for refund and them sending you the £117 offer. I sent my first letter requesting a refund around 2 weeks ago and had the initial "we are looking at it" letter. Do they take the full 40 days? Good to hear the second letter is a swift 2 weeks

Thanks

Jeff_Lebowski

I successfully reclaimed two credit card charge claims in full-plus 8% interest fom Barclaycard and Natwest. The amount was for nearly £800 in total.
The process for both was relatively straightforward. Sent them both the SAR letter with the £10 required. When the info came back I added up the charges- plus interest and sent the next letter for reclaiming them. Recieved the expected 'go away' letters so sent back the LBA letter to show I meant business. Both payed up :T The whole process took around 3 weeks and wiped the remaining balances out on both cards.

eljoeyo1986

BARCLAYCARD

I asked for £192 in charges and £40.71 as the interest (used the calculator on MSE website to work it out)
letter came back from the with an offer of £192 and £96.99 as interest! so got £288.99 back from them and I just cleared the last £20 on my Barclaycard last week, so all money I can pay the other credit card off with! thank you MSE!!! x