Credit Card Reclaiming Success Stories

Bei

Provider: Capital One
Amount Reclaimed: £354
Amount they paid:£350

Took awhile and sent 3 letters, but paid off. Got rejected at first but told them I'm not happy with their response, a week later, they offered as a gesture of goodwill equivalent to the amount I am claiming for.
:j
Lesson: Never give up!!!

Happy days!!!

mt20

Hi just joined..I had a Sainsbury's CC which I paid off and cancelled in dec 09. It had a high balance on it at one point and had the ppi as well. I seem to remember the card being 'sold' to me in the shop with the ppi box already being ticked.
I have no details of that account but would I be able to claim back on my ppi
Thanks for any help

Niallakahonk

Provider: MBNA
Amount Reclaimed:£2200
Amount they paid:£2200
The story:

I had cut up my 2 credit csrds with MBNA . they were at their limit and i was struggling to repay .
I had a barclaycard too and had cut it up , they were very helpfull and stopped all interest payments allowing me to repay the debt.
MBNA however were charging me 27% interest making my monthly payment of £67 remove only £17 a month from a £2200 balance.
It was going to take me 12 years to pay off the balance at that rate .
I had been helping my family and they decided to pay me a backdated amount, which allowed me to clear my balance with MBNA.
I then discovered the credit card charges reclaiming information on this site, possibly through the radio.
I decided to try , and I began with the letter formats presented on this site .
firstly I wrote and asked for a list of all of the charges which had been applied, with a cheque for ten pounds.
then i went through all of my statements which i had kept and totalled the sum of all the charges as a check, a figure to compare their results with.
they replied with the list.
I then drafted the letter requesting a refund
they replied with an offer of £600; as a good will gesture.
I sent a reply telling them how disgusted i was with their attitude and their offer, and that I would be sending a letter of complaint to the financial ombundsman. and on advice, cashed the cheque as it had no " final settlement" mentioned in the letter.
They duly replied with an offer of a further £1600 and they sent the cheque .

So It was worth the effort .
I would advise anyone who tries this to use the threat of the ombundsman as leverage.
also not to accept gratefully the initial offer in "good will"
this corporation displayed no good will whatsoever when i was faced with a 12 year repayment .
-Honk-

jjww_2

Provider: hsbc
Amount Reclaimed:£193.28
Amount they paid:£193.28
The story: I sent off a letter 3 weeks ago to ask hsbc to list the charges applied to my account i got a letter back saying they would look into it. Got a letter on sat 23rd saying i had £104.00 in charges which they were refunding with contractual interest added amounting to £193.28 in total. brilliant result:T

aileenk

i have received £820 from Barclaycard. I claimed for £750 and was astounded when they sent me a letter stating they would repay £820. The only draw back is they paid it into my visa account, but with xmas coming up I have used this money to purchase presents. This was a very easy process to claim, using the template letters.:j:beer:

Peter_Raffin

Provider: Natwest

Amount Reclaimed:£477.76
Amount they paid:£397.44

The story: Sent the second Template on the 13th October demanding full payment of fee's and interest. An offer of £34.56 was returned on the 15th October.
Sent the third Template on the 21st October as was not satisfied. 25Th October returned offer of £397.44 which I accepted.

Really pleased, Cheque is being sent.
Thanks Martin for all your help.

mwt1

Provider: LLoyds TSB

Amount reclaimed: £461.00
Amount they paid: £432.00

The story: Claimed as advised via this website, Lloyds original response was terms and conditions fair etc however offered me £65.00 which i rejected. I threatened court action and within 10 days had another offer of £432.00.

cost of two stamps and 10 minutes writing letters.

Provider: Halifax

Amount reclaimed: £283.00
Amount they paid: £283.00

The Story: similar to above however first reponse from Halifax was outright rejection. I threatened court action and made an additional phone call and with 4 weeks had offer of full amount requested.

Currently pursuing two other providers who are currently playing hard ball. Will update when i have news.

Thanks again to everyone involved with the website. It really has made a big difference.

:T:T:T:T:T:T
:beer::beer:
:rotfl::rotfl::rotfl:

joncow75

Provider: Virgin Credit Card (MBNA)
Amount Reclaimed: £408 + interest
Amount they paid: £408 + interest
The story: Refused to acknowledge that their charges were unfair. Asked them to have another look and they still said I wasn't going to get anything. Told me I could go to the FOS. Filled in FOS form in August and waited. Had acknowledgement from FOS they had received everything, then had a letter in the post yesterday from FOS stating that although MBNA thought their charges were fair, to avoid an investigation they would pay me all charges back. Signed form and put in post today - i'll let everyone know when it is credited.

vanessa205

vanessa205 wrote: »

Capital One
£135.00 Claimed
£153.77 Paid

Many thanks to MSE, I followed the easy instructions.

Sent the 1st letter asking for my charges back which was (as expected) declined.

Sent a 2nd letter on 18th September 2010 saying I would be taking court action.

Received an offer of £144 + £9.77 interest on 8th October 2010 - £153.77 ACCEPTED!

:j They will offset what is owing on my card (currently £85) and send a cheque for the difference - just waiting for this to happen - another debt cleared! :j
Thank you!!!!!

Cheque received for full amount yesterday :T :T

faith1706

Provider: Capital One
Amount Requested: £244.30 + £40.88 interest = £285.18
Amount Offered: £244 + £90.91 interest =£334.91

Sent first letter off in May got the usual response saying they are looking in to it.

Recieved 2nd letter saying that would only pay £48 in difference, wrote back saying no thank you & I will be contacting the FOS.

Recieved a letter on 10th November stating as a good will gesture they will pay all fees back! YIPEEEEE!!!!!!!!!!!

Not only will this clear the card but I will also recieve a cheque for a further £100, christmas shopping here I come.

I just want to say a huge thank you to everyone who posts on MSE & another big thank you to Martin. That is now 2 credit card charges success

Thanks Again! :j:T:rotfl::D:beer::j:j:j:j