Credit Card Reclaiming Success Stories

johnnymac1875

Both successful via FSA office

Egg ~ originally turned down any refund,then offered £68 (no idea how that worked out)
I submitted claim via FSA for £402 inc stat interest & after couple of "ongoing" letters from FSA Egg offered full settlement. I acknowledged offer & money rec'd within week.

B/Card ~ originally turned down,then said would credit account with £60 (only problem was the account was closed in 2004 !!) I declined & said any repayment should be to me. Looked to have £380 inc stat interest refunded. Same letters from FSA but then another offer vis them for full settlement from b/card. I acknowledged this & reply saying b/card may need 4-6 weeks to pay due "to volumes being processed" . Should see money soon

RESULT ! all take heart, & use FSA as an alternative to court when chasing CC refunds

Absolut_Wench

Provider: Barclaycard
Amount Reclaimed: £240
Amount they paid: £240 plus 8% interest = total £259.20
The story: Reclaims made using Martin's guide and template letters.

Sent first letter 29th April, asking for return of all charges, which had all been set at £20 as they were before the August 2006 charge reduction to £12. Received standard reply, saying charges were fair and transparent and I had agreed to them when I signed for the credit card. As a gesture of goodwill, they offered the difference between the £20 charge and the £12 charge.

Wrote back using the second template letter, accepting the lower payment without prejudice as a part payment of my claim - and stated that I was prepared to go to court to reclaim the remainder.

Received a letter this weekend crediting my account with the £240 claimed, plus 8% interest. I understand that Barclaycard are willing to pay the 8% interest, but it is 8% of the total, not 8% of each charge as calculated by the charges calculator.

I need to check that the money has gone into my account, as I am on a DMP and Barclaycard sold off my account about a year ago.

Thanks Martin - the whole process was very easy and the template letters are great! :beer:

sweetchilly

Provider: Barclays Card
Amount Reclaimed:176.47
Amount they paid:176.47
The story:
<TABLE style="WIDTH: 269pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width=359 border=0 x:str><COLGROUP><COL style="WIDTH: 66pt; mso-width-source: userset; mso-width-alt: 3218" width=88><COL style="WIDTH: 64pt; mso-width-source: userset; mso-width-alt: 3108" width=85><COL style="WIDTH: 71pt; mso-width-source: userset; mso-width-alt: 3474" width=95><COL style="WIDTH: 68pt; mso-width-source: userset; mso-width-alt: 3328" width=91><TBODY><TR style="HEIGHT: 12.75pt" height=17><TD class=xl24 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 66pt; BORDER-BOTTOM: #ece9d8; HEIGHT: 12.75pt; BACKGROUND-COLOR: transparent" width=88 height=17 x:num="39324">30/08/2007</TD><TD style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 135pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent; mso-ignore: colspan" width=180 colSpan=2>letter for card statement</TD><TD style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 68pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent" width=91></TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD class=xl24 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8; HEIGHT: 12.75pt; BACKGROUND-COLOR: transparent" height=17 x:num="39336">11/09/2007</TD><TD style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent; mso-ignore: colspan" colSpan=2>received all statement</TD><TD style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent"></TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD class=xl24 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8; HEIGHT: 12.75pt; BACKGROUND-COLOR: transparent" height=17 x:num="39338">13/09/2007</TD><TD style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent; mso-ignore: colspan" colSpan=3>letter for late charges £140 + int</TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD class=xl24 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8; HEIGHT: 12.75pt; BACKGROUND-COLOR: transparent" height=17 x:num="39344">19/09/2007</TD><TD style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent; mso-ignore: colspan" colSpan=3>received letter to pay only £68 + 8% int</TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD class=xl24 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8; HEIGHT: 12.75pt; BACKGROUND-COLOR: transparent" height=17 x:num="39351">26/09/2007</TD><TD style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent; mso-ignore: colspan" colSpan=3>2nd letter</TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD class=xl25 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8; HEIGHT: 12.75pt; BACKGROUND-COLOR: transparent" height=17 x:num="39440">24/12/2007</TD><TD class=xl26 style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent; mso-ignore: colspan" colSpan=3>Received £176.47 from Barclaycard.</TD></TR></TBODY></TABLE>
sorry for the delay, many thanks to MSE team + users

mon1o

Provider: MINT
Amount Reclaimed: £386.64 (inc 8% interest)
Amount they paid: £384.48 (inc 8% interest)

The story: I sent my first letter requesting statements on 17.4.08 followed by my letter asking for all the money back. I had 4 charges of £20 and 21 charges of £12. Was basically told they would refund the difference plus interest so offered £34.56 which i accepted as partial settlement (ended up receiving £29.74 but wont go into reasons why here). Sent the second letter stating that i will accept without prejudice etc and they called me to say that it was their final offer. I told them i would be going to the ombudsman and asked them to send me a letter with a ref number on so i could proceed with my complaint. I received the cheque last week without a letter or a reference number but i contacted the FOS anyway. They told me they would contact Mint and if i was nt satisfied to call them again on 13.6.08 and they would send me out a complaints form.

Well, this morning (about 10 mins ago!!) postie brings me a letter from mint offering a further £349.92 :T as full and final settlement (coincidence? I think not!) which i was very happy to accept. Thats every single charge paid plus interest! Fantastic!

thankyou Martin and Edinburghlass and everyone who helps us reclaim these charges back!

Monica xx

flisspops_2

Bank: Nationwide Credit Card
Claimed: £200
Amount they paid: £200
Story: The template letters were used to request refund direct from Nationwide. They offered £16 as a goodwill payment! Needless to say it was rejected and so lodged the case in court citing that the credit charges fell outside of current OFT case for current account charges. They lodged a defence and within 48 hours of that being lodged settled in full! Talk about stringing it out and playing the game. Whole process took 3 months.
My advice is go for it - thanks so much Martin - love your website and newsletters - expect a donation from me.

Flisspops
x

julz224

yessssssssssss!!!

my first victory - monument refunded me £548.40....i had requested £544.00(?!) i did 3 letters, the last was to tell them that since i didnt have a satisfactory response i would be takin them to court(they had offered me £175 at first) and then they wrote offering me the above amount in full and final settlement!!! it REALLY does work!! HURRAH!! :T :j

Tesco_Tom

Provider: Egg
Amount Reclaimed: £77.70 (inc 8% interest)
Amount they paid: £77.70 (inc 8% interest)

The story: Sent the first letter 1st April, accepted offer today. This is my smallest one, but definately gives you the confidence to continue.

Here's hoping all the rest do the same :beer:

NEXT !!!!!

loobyloop

HI finally i get to write a success on this site,started claming process in early march with capital one for 2175.45 in charges.Filed mcol April 28th and this morning got a letter informing me they are going to pay the lot back including intrest and court fees.I am so happy as this money is very much needed at the moment and i advise anyone thinking of reclaiming credit card charges to do it,it really is very easy to do even the mcol bit. So thank you to all on this site with out reading all your posts i wouldnt have known where to start

kat81

Provider: Natwest
Amount Reclaimed: £733.85 (inc 8% interest)
Amount they paid: £652.32 (inc 8% interest)

The story: I first applied on 4th April, after 3 more letters and a final phone call, i accepted £652.32. It was hard and they tried to fob me off at every stage, but i persevered and got an outcome i am over the moon about.

Good luck everyone

lencarol

in the metro free paper on friday may 30 2008 page 59 there is a piece in about ,BARCLAYS TO SLASH OVERDRAFT CHARGES " it reads in part the banks said from August 18 customers would have to pay only £8 for a returned or guaranteed transaction at the moment it is £35 . is this for real could all banks do the same, and we all get our money back:rotfl: