Credit Card Reclaiming Success Stories

cornflakegirl

delizz wrote: »

mbna have now told me that they are closing my account, cheeky !!!!!!s! they have also told me that the credit balance i have will be transfered into my bank account by the end of the week. hope that helps. :j

Thank you fingers crossed i get some money back!

mlucyminx

SUCCESS!!!!!!!!!!!!!!!!!!!!

PROVIDER: BARCLAYCARD
AMOUNT CLAIMED: 1095.25 (£862.00 + 233.25 interest)
AMOUNT THEY PAID 930.96

The story:

wrote on 24th April requesting statements. Worked out charges using calculator. Sent letter 19th May requesting charges back. received a credit on my account on 29th May for 286.00 plus 22.00 interest. received letter from them on 5th june telling me they had credited my account. Sent another lettter on 5th June accepting without prejudice but could I have rest please. Checked account again this morning and had received a further credit for 622.08 on 11th June. A little short of what I asked for but Im not complaining. This has cleared my barclaycard account and left me with £100 extra.

Thankyou so much to everyone on this site. couldnt have done it without you all

jain0_2

Provider: HFC Bank
Amount Reclaimed: £1702.13
Amount they paid: £1702.13
The story:

23/5/07: Wrote to HFC using the templates on this site requesting my charges & fees back

29/5/07: Received reply from HFC stating they wee not prepared to offer a refund

2/7/07: Re-wrote, using the templates, using the without prejudice offering to settle for £1255.00

10/7/07: Received reply from HFC offering a settlement of £600.00

23/3/08: Filled out application and put in the hands of the Financial Ombudsman (FO)

10/6/08: Received letter from FO stating that HFC were offering the full amount of £1702.13.

Accepted. :beer:

Thankyou to everyone on this site for all your help and advice.

jain0_2

Provider: BOS Card Services
Amount Reclaimed: £649.24
Amount they paid: £631.37
The story:

9/3/07: Requested details of default charges
27/3/07: Received copies of statements
30/3/07: Requested Charges of £485 and interest of £164.24 totalling £649.24
5/4/07: Received letter from BOS stating they regretted they were unable to refund the charges
23/5/07: Re-wrote to BOS again requesting charges
21/6/07: Received letter offering a settlement of £324.62
2/7/07: Wrote to BOS and stated was prepared to settle for £485.00
17/7/07: Received letter offering £242.50
23/3/08: Filled out aplication with the Financial Ombudsman (FO)
30/5/08: Received letter from Halifax offering settlement of £631.37

Have settled

Thankyou to everyone on this site for all your help and advice:beer:

MB_GOLD

MBNA

Claimed - £49
Repaid £49

yvonne26

Does anyone know how long the cheques take to come through??? I posted the acceptance reply on the 24th May and still have not had the cheque?????

Stevens_Success

Provider: Barclaycard
Amount Reclaimed: £288.00 plus interest
Amount they paid: £288.00 plus interest plus extra £30?

Only took 2 letters (Letter 1 and 2 MSE templates)

First response they offered nothing and second response they offered the lot plus interest plus an extra £30...don't know why and never bothered asking.

Two other claims on the go, waiting on response to Letter 3 with one claim and the other claim I have sent to the FOS.

All seems too easy...like many people have said don't except the first offer or if your like me don't except anything but the full amount including interest.

Thanks to MSE and everybody who has posted on this forum:T

Neillgb

Well, having incurred a £25 'reverse transfer' fee as a result of being £50 short on a full balance transfer to clear my Cahoot credit card I have to report a successful 'reverse' of the 'reverse transfer' fee!!

To sumarise I sent an email asking them to give a fully itemised invoice for the £25 fee. Received a phone call within an hour with a predictable 'thats the way it is' response. Refused to accept this and kept on about receiving a full breakdown. I was then transfered to a manager whom again started with the 'thats the way it is'. Kept on about how the fee is made up which obviously he could not, and didn't want to, justify. Got various "thats how banks make profits and there is a penalty element in the fee" comments. However they were prepared to waive the fee as i have been a good long standing customer!

So nagging works!! Should have got my OH on the case, she would easily have got £50.

Jimothy_2

Provider: RBS (Mint)
Amount reclaimed: £378.04 (including interest)
Amount paid: £311.04
Story:

Only took a couple of letters. I used the forms from this site and within 5 weeks, they sent a letter (very friendly one) saying that they accepted the claim, but would pay £288.00 only and enclosed a cheque. I wrote back and asked for interest and they replied within 2 weeks with another cheque for £23.04. I'm happy with that and I'm calling off the heavies!! Thanks Martin - this will go a long way to paying for some of the things my family needs right now.

MBNA, Capital One, Goldfish and HSBC - watch out.....you're next!

lamarsi

Providor :Halifax

wrote one letter asking for £500 plus £100 int had letter back 1 week later offering £200, said no thanks wrote again asking for full amount, waited 7 weeks then they rang and offered me £606 :beer: just signed to accept! 2 letters, 2 stamps, 2 months! thanks martin!