Credit Card Reclaiming Success Stories

joeandy

provider -lloyds tsb
claimed -160 plus interest
won - 286
sent first letter asking for refund of charges. got final response saying although they have not changed their charging policy as a gesture of goodwill they will refund charges in full. sent first letter on 30 june and was all sorted by 9 july.

hampsterpoo

Morgan Stanley (Goldfish)

claimed £537.34 inc interest
offered £152 -
wrote back saying would accept £380 (claim minus interest) if paid withing 14 days.
after 22 days they offered F&F of £380 ,
Just waiting for the cheque now.

Happy Days!!

Just citi cards claim to go now.

GunWharf

CAPITAL ONE "Whats in MY wallet"!

March sent off for Statements
*Received in May
*Around £500 in fees but with interest near £750
* June, requested £500 in full settlement, Capital said £156!:rotfl:
*End of June started MCOL for £800ish, Capital One said they would defend.
*7 days later a cheque for just over £800 arrived as full and final settlement!
:beer: :beer: :j :T
Thanks to all on this site for your help:money:

NEVER TAKE THE OFFER,MCOL ALL THE WAY

Stevens_Success

Provider: Tesco Personal Finance
Amount Reclaimed: £445.00 plus interest at 8% not compounded
Amount they paid: £445.00 plus interest at 8% compounded

Took 3 letters (Letter 2 and 3 MSE templates) plus my own letter (letter 3)were I wrote "Before I take my claim to the courts, which is my next step, to reclaim the remaining money together with interest up to the date of judgment and court fees, can you please confirm that the total sum of offer 1 + offer 2 is your final offer on my claim?" Tesco's response was to credit my account with the remaining charges plus 8% interest compounded

One other claims on the go with Beneficial...offered half the charges (no interest) will persevere to reclaim the full amount plus 8% interest

Thanks to MSE and everybody who has posted on this forum

iceland_viking

Whats in your wallet?

My charges - hahaha:beer:

Template letters followed by MCOL

7 days after MCOL - refund

Refunded - £692:T

Thanks for this Martin, drinks are on me!!!

Andy

dazzaofdagenham

Provider: HALIFAX
Amount claimed: £919
Amount they paid £919

Wrote to halifax in early may asking for statements for the last six years.
Total inc interest was £919.

They offered £246 as a first offer which i refused and asked fore the full amount. Got letter about a week ago saying they were still investigating but gave details of F.O. service.

I was gonna buypass the F.O. and go straight to court. However sent another one of martins letters as a letter before action. I put in the letter that i would settle for £600.

Got a letter to sign this morning that they are willing to pay the full £919 in full and final settlement.

I am over the moon. This will put my credit card account in credit which i didn't really want. But will suffer that as it's a great result for me.

Thanks martin you are really an absolute star..

Just gotta tackle Capital One now

Darren

Jamie_D_2

Claimed back £330.00 from RBS Mint - they sent me £280.00. I asked for the remainder plus interest and in total, they've refunded me over £800.00!!! I get the impression that they're just a bit snowed under with claims right now! Cheers Martin!

Ex-Spendaholic

Provider: Halifax Credit Card

Claimed: £650

Received: £650


I phoned the Halifax at the end of May asking for a list of charges. The girl told me they would follow. On 2 June I received a letter offering me £238 being the difference between the amount charged and the recommended £12.

I phoned up asking what the actual charges had been as I had never received any information. I was advised that they totalled £650. I told the girl that I wanted £650. She said she would escalate the claim.

18 July recieved a letter saying sorry that they were taking so long to investigate and inviting me to go to the Ombudsman.

19 July received a letter offering the full £650 without admission of liability.

So my advice to anyone with charges go for it. You have nothing to lose. I got £650 back for the price of a couple of phone calls.

Cliffo78

Cliffo78 wrote: »

Hello everyone,

Seems so long ago I posted on this site (have even forgot my original log in ID) but my war against LTSB still goes on.

Last July I filed through MCOL and managed to re-claim £3652.13 on one current account and £1623.26 on the other making a TOTAL OF £5275.39 :j

I am currently still having a war with them about a credit card acount I had with them that was closed in June 2006. I am asking for £482.62 (£400 charges and £82.62 interest)
I originally wrote to them Aug 07 then forgot about it and wrote again April 2008, I got the standard get lost letter and this time decided to file with the FOS. I received a letter on 3rd June from the FOS telling me that they have written to LTSB asking for them to let me hae their "final response" to my complaint within the next 14 days (giving them until 17th June - a week on Tues) to respond - Is this normal? What will happen now? Having not dealt through the FOS before I'm not sure about this one....

Can anyone help?

Update on story above..........

I received a letter from LTSB following the intervention of the FOS offering £230, I wrote back saying thank you but please send me the £230 and the rest within the next 14 days or I would go back to the FOS. Last week I received a letter from the FOS telling me that "although Lloyds TSB do not accept their charges are unlawful they are willing to pay the full amount claimed to prevent further investigation from ourselves" :T Result!

I have signed the acceptance and are now just waiting for my cheque as the account has been closed for ages!
Very pleased - once agin thank you Martin, what would we do without you?

Ex-Spendaholic

Provider: Barclaycard

Claimed: £140

Received: £151.20


Wrote to Barclaycard on 12 June asking for £140 back. Got a reply saying their charges were fair and they were crediting me £31 as a goodwill gesture. Wrote back to them saying thanks for the £31 but I want the rest plus interest.

Received a letter this morning to say the account had been credited with the remainder and that my total refund is £151.20. :beer: