Credit Card Reclaiming Success Stories

YEOSAL

MBNA
Claiming £240.00 + interest = £302.63#
Sent 2 letters.
Letter received today offering £120.00 (difference and no interest). Sending cheque as now I have a credit balance!

It is a victory, but only a small one. Wondering if I should send just one more letter........

bevvie_2

Don't accept the £120, keep at it for the full amount and you will get it all back.

liddled

Success

I have just received confirmation that Goldfish are to pay me back £288 for charges against my credit card.

Still waiting for thousands from Lloyds TSB but everone knows they are the worst..

am3n3

Bank: John Lewis Partnership Card
Amount Reclaimed: £12
Amount they paid: £12
The story: I was charged two £12 fees, one for over going over limit and another as an admin fee--these were due to my changing bank accounts for direct debit payments, and their cancelling my existing DD but not setting up the new DD, resulting in non-payment. Rang to dispute both, and the first £12 fee was removed, but I used MSE's template letter to dispute the "admin" fee. Received letter from John Lewis with the second £12 fee immediately refunded. Couldn't have been easier.

dr_phil_2

Firstly can I say thanks to Martin Lewis and all that administer this site.

(HBOS)Halifax Credit Card

Amount claimed £885

First offer that I declined £405

Amount recived £885

It has taken just under three months to recive this money, using only the standard letters from this site and the cost of 3 first class stamps!

Thanks again Martin:D

YEOSAL

LLOYDS TSB

Claimed £73.23 - (charges + 8% interest)
Received offer today of £69.95 (charges + base rate interest - with additional two weeks on top to give me plenty of time to consider their offer!)

This is after the 2nd letter was sent.

Thanks Martin! Im on a roll now!

Chanina

Provider: Natwest
Amount Reclaimed: £3000
Amount they paid: £3000
:j
The story:

Simply. I read Martin's article. I already had all my backdated statements so I just downloaded and sent the inital letter that Martin reccomended, requesting a full refund.

Two - three weeks later, I think, I got my offer of the full total. 4 weeks later it was all depoisted into my account.

I had a £700 overdraft limit with them, which I cleared off straight away. I was also able to clear off another small debt that I had and now Im on my way to being DEBT FREE and able to look at SAVING AND INVESTMENT OPTIONS!
:beer: THANK YOU MARTIN.

Barclays however, :mad: refused to reimburse me of £1025 and instead sent me a goodwill offer of £25, which I obviously refused and made an appeal with the Ombudsman, who has put the matter on hold until after the decision of the test case. So now I'm waiting on the court hearing, hoping it will be favourable, as well as exploring other options to reduce my debt with them.

pinkchix

Provider: Bank Of Scotland Visa
Amount Reclaimed: £1334
Amount they paid: £1334
:j
The story:
Wrote first Letter asking for charges back, received letter back offering £250 refund. I refused and after another letter to chase things up I received my letter this morning informing me they will refund £1334 as a goodwill gesture.
Doesnt clear of my total balance as the months it took to deal with this they were still piling on late payment and over limit fees despite me arguing with them constantly on the phone whenever they would take the minimum payment from my bank account leaving me skint!(thats another story tho sorry)
But £1334 is better than nothing and £1334 off my total debt so I am happy (honest)

Thanks to everyone who gives advice on here yous are a godsend!!

daisykinn1

I've been refunded today :money:

£129.60 in my account. I called to ask what the credit was and they didn't even know!!

One man even said it was a mistake and said he was taking the money out of my account as 'Barclaycard never refund anyone'.

:mad: I hate call centres!!! ARGH!!

Anyway they paid up after just one letter that I wrote myself and the money is in my account within a week on posting!

JOB_3

Hi,

Claimed total charges oplus interest in full from Egg with little hassle. Three letters and a Financial Ombudsman Service complaint form in total (plus letter dropping case).

This website has made it very easy to achieve this. Thank you to all involved.


Schedule
21/02/2008 Letter 01 - Request for repayment
26/02/2008 Egg Response - Acknowledge receipt and claim not unfair
03/03/2008 Letter 02 - Threaten Court Action
05/03/2008 Egg Response - Offering £20 (difference between £20 and £16 for first 5 charges).
12/03/2008 Financial Service Ombudsman complaint lodged including full charges + interest
12/03/2008 cc Above to Egg
14/03/2008 Egg Response - Offering £255.40 as 'full and final settlement of complaint'
14/03/2008 FOS Response - Acknowledgment of Complaint
20/03/2008 Sent letter confirming acceptance of offer.
01/04/2008 Payment Received in Full to Egg account.
01/04/2008 Financial Service Ombudsman letter to advise dropping complaint.
01/04/2008 cc Above to Egg