Credit Card Reclaiming Success Stories

lea123e

Hi all,

I have just begun to pursue claiming back my charges with Mint, I have had several other credit cards also which I need to look into.
Are we able to or has anyone had much success with claiming back charges which are over 6 years old?
Many thanks in advance!

southtoday

Just got £1400 from santander for PPI & ODI (overdraft protection Insurance, I wasn't even aware I was being charged for that,) & it was an nice birthday surprise. I got it by going into the local branch & getting the tel no of their PPI claims dept & contacted them,They were very helpful. I did not go through a reclaim company so I keep 100% of it, Take the bull by the horns. I'm not very savvy when it comes to dealing with banks so If I can do it anyone can :-) Give it ago ,if you don't try you may never know & it is defiantly worth a try. stand your ground & go for it.

wilsonefc

just a bit of a heads up, i have recently beaten both capital one, and barclaycard over all of the charges i received, mostly £12 ones as well, thanks to the help of this wonderfull site.

my last complaint was against lloyds tsb, i claimed back nearly £700 charges, but most of them were £12 charges, on the basis that i thought they were unproportionate, and that i was actualy charged £24 most months, once for missing payment, and once for going overlimit.

this was actualy a period in my life when i was redundant, and unable to find work.

anyway, lloyds tsb challenged me, and said theyre charges were fair, so after a few more letter without joy, i took it to the f.o.s, who carried out an investigation.

LLOYDS TSB dragged this out, and i had a letter, last week from the F.O.S., saying it had now told them to either pay back the charges, or provide evidence that its costs are £12.

WELL, i have just had a letter from the fos this morning, saying that having reviewed the evidence lloyds tsb have sent them, at the last minute by the way, that they agree that the charges are in proportion to the costs.

although, i am still quite happy with winning 2 out of 3, as lets be honest, i knew what the consequences when i took the cards on. i still cant help but wonder, what the evidence was that they presented to the fos? do i have a right to access this?

fiddlesticks1986

Hi everyone, I'm new to the site so pardon me for being the party pooper but whilst I appreciate that people can suffer financial hardship and no doubt some of you are quite possibly in such situations (and this is of no disrepect to those of you whom genuinely need the assistance). But have any of you stopped to think whether it's any wonder the banks are not freeing up lending? Is it any wonder when instead of using the money to pay back whats owed to taxpayers they are instead spending money repaying people who cant be bothered to use a little self control when spending??? our economy is struggling to improve as everyone's looking for easy money. It's great that you have received your reclaimed charges and interest and gosh knows what else - but I bet you will be the same people who sit there complaining about the state of the economy, complaining that the banks are all crap, complaining that the banks owe the taxpayer, complaining that "it's not fair."

I personally have had credit card charges and overdraft fees and yes they can be a pain in the backside BUT I also know that we are all made aware of these charges when we open products - they are on every statement sent out to you (whether you choose to read that information is your choice) Surely some of that responsibility should lie with us as the consumers - as we all sign to accept the T+C's and yet never actually read them, we all ignore the statements that come through the letterbox and then we have the audacity to complain when said conditions are invoked. Is the bank to blame for you spending more than you were meant to or not reading the conditions for your agreements?? As quite frankly I know it was my fault that I went over my limit - I know that it is my responsibility to check I have enough credit left to pay. Where has our self-control gone to nowadays that we have to blame the banks for not controlling our own spending? I agree that there are certain genuine cases whereby these forums help people in need but I also think that forums such as this are abused by people after a quick buck.

Now I know theres going to be many of you whom disagree or get annoyed by this post but its just food for thought when you are sitting there with your refunds for 100's of pounds or complaining about the banks or the economy -just have a little think about how it all helps the global financial situation?

xox

Rob_Banks

Fiddlesticks.... The question here is whether the banks are actually acting lawfully by applying these charges to accounts. If the banks have acted outside of the law then surely customers have a right to reclaim money that is lawfully theirs.

I think the fact that the banks have not taken any of these cases to court speaks volumes. Yes, customers did sign up to terms and conditions.
However, if the Ts+Cs are unfair and against the law, credit card companies have no right to keep the cash.

Dont even get me started on how the banks acted against regulation regarding the misselling of PPI! I have witnessed PPI misselling first hand having worked in a bank. The management turned a blind eye as it earned them their bonuses and was so profitable. I have heard PPI being sold as a loan admin fee, as a compulsary purchase, packaged in without customers being told....

So are the banks within their rights? Should they be allowed to hide behind unfair terms and conditions???

I also think it is rather naive to think that people reclaiming money from the credit card companies has caused the banks and enconomy to fail. We are in the mess we are in due to banks selling dodgy sub prime loans to people who could not afford to repay them, taking high risks and a complete lack of self regulation.

Ant_One

Hi Guys and Gals,

Can you still reclaim Credit card charges?

Back in June 2007 I claimed Cap 1 and beat them, reclaiming just over £1200 in historical charges.

I now have an issue with them as I have been being charged £12 per month since March 2010 due to being overlimit, eventhough they have been taking minimum payments from my account via direct debit which classes the account as being paid on time.

Due to this, my balance is now over double the value of the credit limit (£200). I have called them and spoken to many overseas call centre operatives who either do not understand my request for these charges to be refunded or they are just ignoring my request, as I have told them that if they only refund these charges, I will be back in my credit limit and I will pay off the balance that is left and close the account.

As I am now at a stalemate situation with them, I want to know, can I reclaim the charges as I did back in 2007? If so, this will almost certainly speed up things in paying off the card.

Thanks in advance for your help!

fiddlesticks1986

Rob_Banks wrote: »

Fiddlesticks.... The question here is whether the banks are actually acting lawfully by applying these charges to accounts. If the banks have acted outside of the law then surely customers have a right to reclaim money that is lawfully theirs.

I think the fact that the banks have not taken any of these cases to court speaks volumes. Yes, customers did sign up to terms and conditions.
However, if the Ts+Cs are unfair and against the law, credit card companies have no right to keep the cash.

Dont even get me started on how the banks acted against regulation regarding the misselling of PPI! I have witnessed PPI misselling first hand having worked in a bank. The management turned a blind eye as it earned them their bonuses and was so profitable. I have heard PPI being sold as a loan admin fee, as a compulsary purchase, packaged in without customers being told....

So are the banks within their rights? Should they be allowed to hide behind unfair terms and conditions???

I also think it is rather naive to think that people reclaiming money from the credit card companies has caused the banks and enconomy to fail. We are in the mess we are in due to banks selling dodgy sub prime loans to people who could not afford to repay them, taking high risks and a complete lack of self regulation.

Hi Rob,

I wasnt saying anything for people who have been genuinely missold PPI when theyve taken out loans. I agree that people shouldnt be conned however do we not all have a responsibility for our own finances also? I can understand a few months of PPI being misunderstood but how can people go for years without questioning an amount which is on their statement/bill every month that they "don't understand" and then suddenly decide "oh i didnt understand that and now i want the money back?"

The banks do not take it to court because a) they probably cant confirm/deny what the customer is saying as often these sales of PPI are dating back too far to obtain phone call information b) the FSA is so concerned about kidgloving the public due to the unrest about the bail outs and is really focussed on giving customers the "benefit of the doubt" and thus therefore results in it being more economical in the long run for the banks to pay out rather than taking it to court. The only way they will take it to court is if they have irrefutable evidence that what the customer is saying is untrue. Which is difficult to prrove when many of these cases date back further than 12months.

I didnt say that it caused the banks to fail...im merely saying that everyone complains about the fact the banks were bailed out etc etc, but how are the banks meant to recover when everyone is out for a quick buck and joining on the bandwagon for trying to reclaim charges which quite frankly they knew they were incurring. Yes the banks should be responsible about lending but we all have a personal responsibility for our own finances. We are all told about the fees and charges for going overlimit/late payment fees etc on a monthly basis when that statement comes to us (either via online/post).
So how can we really sit there when we go over our limit or are late with our payments and plead ignorance??and then allow it to snowball because "we didnt understand"

We have a distinct lack of self-responsibility in this country and not just about PPI and charges but about society in general. When are we going to realise that this has to change?? If we want our financial economy to recover we all have to take responsibility for our own actions and to get together to improve it rather than waiting for others to "fix" things or other people to bail us out for our own lack of control..

Granted for those people who were genuinely conned into things fair enough repay them. However can everyone who has reclaimed charges honestly say that they had no part to pay....did they not go over their limits? did they not fail to pay their bills on time. That is their doing not the banks!

Beaks999

Hi Folks,

Could anyone confirm if Goldfish were taken over by Barclaycard? If so, do I need to quote that account number when contacting them about charges or will they say that the account is closed.

I can't remember if they gave me charges, would they have been likely to if I was making lower payments via the CCCS?

I was in a bit of a mess and had credit cards with MBNA, Goldfish, Barclaycard and Egg although it seems like I'm in for a battle with Egg from what I've read on here

. I've just written to Egg as they had the largest balance and I'm pretty certain that I had charges from them.

Leyburn_Lad

Provider: MBNA
Amount Claimed: £3249.81
Amount Received: £7352.86

I first submitted my claim back in May after the publicity and downloaded the form from this site.
Received a reply 4 weeks later telling me that they were still investigating my claim and would issue a response in a further 28 days.
Received a further letter in late June, advising that they had a further 21 days to reply.
After several phone calls (be prepared to be on hold for a while) I was told that their final response letter had been sent on the 16th July, which I received 30th July.

Following a review of your complaint I have identified that MBNA aquired your account from Abbey, and that the sale of the PPI was made by them prior to MBNA becoming your service provider.
When the account was transfered, new terms and conditions were sent out and you were given the opportunity to cancel your policy, should the new terms not meet with your requirements blah blah blah!!!!!!
However, as a gesture of goodwill I have arranged for a return of the premiums and associated interest.

Amount paid, £3249.81
Total interest associated with premiums, £2178.22
8% Amount, £1924.83

Total amount, £7352.86

Cheque received today.

Happy Days

interested_81

Sent a letter too Barclaycard two weeks ago requesting £696.00 worth off charges in the last six years most off them £12 charges recieved a letter today saying they will repay us 441.28 ! :j:j:j