Credit Card Reclaiming Success Stories

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mapleleaf wrote: »

I sent a claim in back in 2007 for 2 credit card charges...

Since then they have dropped their charges to £12 instead of the £35 they used to charge.

Can you go back to the end of your last claim and put in for all the £12s they have charges since??

Have you read the MSE guide to reclaiming credit card charges?
It gives you the options open to you.

chloe12123

Provider: barclay card
Amount Reclaimed: £260.00
Amount they paid: £411.00

I used the template letter to reclaim my charges and sent it on the 31st of January to Barclaycard. On the 8th of February I got a letter saying that they are reviewing my case and will get back to me. The next day (the 9th of Feb) I checked my account and they had repayed £411.00!!! I couldnt believe it. Thanks moneysaving expert!!!! )) :rotfl:

Dommiechop

Dommiechop wrote: »

Barclays have just paid £1124 - asked for £900. This time didnt even have to send in a third letter. Many thanks MSE for helping me get back over £3000. However if we wernt given the charges in the first place, the last 4 years might not have been so stressful.

Finally finished reclaiming:

Capital One - Claimed £856 - settled in full 3 Letters (in order as on this site)

Sainsburys - Claimed £820 - settled in full 3 letters

MBNA - Claimed £536 - settled in full 3 letters

Barclays - Claimed £900 - settled £1124!! 2 letters

Bank of Scotland - Claimed - £180 - settle in full 2 letters.

The charges consisted of various amounts + a lot were £12. I also included Interest. I expected a bigger fight, but in the end it was so easy to get my money back. Yes i went over my limit and had late charges, but only, like everyone else, we were going through a very tough time financially. With a bit more understanfding on their part we would have probably swallowed the charges as fair. But their attitude was so obnoxious they ask for this action against them.
:mad:
Total £3516 - All thanks to Martin and this site. :beer:

angelcakes_smw

can I just ask, why are barclaycard paying out more than you have asked for?? I dont understand it. and why didnt they pay me more than I asked for and it has taken me lots of letters and the involvement of the FOS before I got my money back?

jfreezone

Provider: Barclaycard
Amount Reclaimed: £348.00 plus £37.46 statutory interest
Amount they paid: £345.46
The story: Used the template letter from MSE. Two months later I received a no quibble letter offering me the money back. I still owed Barclaycard about £40 so they took that first and I received the balanceProvider: Vanquish
Amount Reclaimed: £339.72
Amount they paid: £339.72
The story: Used the template letter from MSE. About three days ago, I received a no quibble letter offering me the money back once I signed an agreement declaration. They said they would take their balance first but i owe them nothing so am awaiting their cheque in the post.

Provider: Capital One Visa Card
Amount Reclaimed: £285.18
Amount they paid: £285.18
The story: Used the template letter from MSE. Received a response about two months ago saying they were not going to refund me anything. I sent them another letter saying thatI disagreed with their decision and stating my willingness to proceed to both the ombudsman and the county court in the event that they were not prepared to reconsider their decision. I also stated that I would be claiming interest in that event. About a week laterI received a letter offering me the money back once I signed an agreement declaration. They said they would take their balance first but i owe them nothing so am awaiting their cheque in the post.

Provider: Capital One Master Card
Amount Reclaimed: £466.66
Amount they paid: £466.66
The story: Used the template letter from MSE. Received a response about two months ago saying they were not going to refund me anything. I sent them another letter saying thatI disagreed with their decision and stating my willingness to proceed to both the ombudsman and the county court in the event that they were not prepared to reconsider their decision. I also stated that I would be claiming interest in that event. About a week laterI received a letter offering me the money back once I signed an agreement declaration. They said they would take their balance first but i owe them nothing so am awaiting their cheque in the post.

Total £1437.02

Thank you so much MSE. Very grateful indeed :beer:
I have also sent letters off to three catalogues I held accounts with and am just waiting to see what they will say about reimbursing me!

xxlaurissaxx

Wrote 1 letter asking for charges back on my auntys account, sent this away last Friday, had a letter today saying the last 6 years charges have been refunded including 8% interest, so her account has been cleared and the difference is being sent by cheque :j:j:j:j:j:j:j:j:j:j

Now just waiting for a response with the PPI

Thank you soooooooooooo much to everyone that helped me. It was really appreciated. :beer:

xxLaurissaxx

goingcrazy

Hi to everyone who helped,:j

Provider: Barclaycard
Amount Reclaimed: £180.00 plus £74.82(interest)
Amount they paid: £324.00 plus £107.93
The story:
I followed template-plate letter and wrote to them on the 6th March 2011 and they responded on the 10th Mar saying they would investigate. They wrote today and offered me £324.00 plus interest of £107.93 which totals to £431.93. They offered more than what I ask for and I am going crazy with astonishment. Of course I'm accepting and it goes to my barclaycard debt. :T:T

This has given me the encouragement to go after Mint, Halifax and CapitalOne. A big Thank you all.:j:j

xcakex

Had a letter yesterday from Natwest success on getting my credit card charges back

Getting the £388 including interest in which i never asked for so a very happy bunny, asked for the amount to be put on my credit card to help me reduce the balance as i am closing the credit card with them once the balance is paid off

Awaiting to hear back now from Egg, MBNA and Natwest on my current account so fingers crossed

thank you mse for all your help

BrianC500

Provider: Marbles (HFC Bank, then HSBC, then HBOS!)

Claim £4950.00

Payment Due: £5300.00 approx

I paid a £950.00 deposit for a £4950.00 IT course on my Card. The rest was paid by Bank loan. In short the IT Training company went bust. I claimed a section 75 refund from my card provider. They said as I had paid the card off and closed the account, they were not legally liable. I had several convesations with the financial ombudsman but, they can't act until the card provider gives a final response. I wrote again and again and almost gave up. I wrote again in March this year demanding a final response. I had a phone call from them to say they had upheld my complaint and would refund me in full plus interest and a payment for my inconvenience. I am told the cheque will be with me next week. The fact my card had changed hands several times does not mean that the latest owner is not liable for transactions made when the card was under previous ownership.

The moral of the story is don't let them grind you down, keep plugging away and you will get there. It took me nearly 2 years. I'm glad my wife kept on at me.

Dominic_star

I wrote to Barclaycard on 18 April asking for £164+ interest. Got a holding letter last week, followed by a letter today dated 03 May saying the charges are fair but they are repaying 6 years worth of charges £184 + £60.18.

That'll do me. It's a shame it came to it seeing as every single charge but £20 was levied during a period when I offered and maintained a pro rata payment £1 short of their demand (I couldn't pay the £1 as it would mean paying about £40 to other creditors to keep the pro rata fair).