Credit Card Reclaiming Success Stories

carolv_2

Sent 1st letter end of April asking for refund of £1900 charges. They responded with an offer of £740 which they credited to my credit card account. I responded, thanking them and saying that I accepted this amount without prejudice to my claim for the full amount, and said that I would be prepared to settle for an additional £1000 (£240 short of original claim). They took their time in getting back to me, and I was just about to send the Ombudsman details - got home from work that night and found letter saying that "as a goodwill gesture" they were refunding the whole of my original claim - just over £1900! Couldn't have wished for a better outcome - credit card account now clear plus some extra money. Now going for Capital One. Don't be deterred - it really is a simple process with this fantastic website's guidance.

:j :rotfl: :j :rotfl: :j :rotfl: :j :rotfl: :j :rotfl: :j :rotfl:

hopeneeded wrote: »

Bank: Barclaycard
Amount Reclaimed: 580 plus 133.26 interest = 713.26
Amount they paid: 713.26
The story:

applied for statements: 1st septmember 2007
first request for refund: 16th September 2007
(was offered 250.56 and put it on my old card account), so i refused
2nd request for refund: 27th September 2007
no reply until i checked online today and they've credit the full amount!

thanks to everyone on this site for getting me MY money back.

Egg and Abbey are now the next in my sights!

keep going everybody, you will get somewhere! xxxx

mags4618

Bank: Littlewoods/Barclaycard
Amount Reclaimed: £86.40 including interest
Amount they paid: £86.40 including interest
The story:

Applied for statements: 3 April 08
First request for refund: 26 June 2008 (was offered £8 plus 8% interest).
Wrote back on 8 July saying the offer was unsatisfactory but I would except £80 if paid in 14 days.
Received a letter back dated 10 July saying as a gesture of goodwill, they have credited my Barclaycard account with £8.64 & £77.76. This is great as I am gradually paying the balance off although I still have a way to go with this but every little helps!
Thank you Martin :money: and co and everyone on this site for their success stories - they really spur you on to go for it - nothing ventured as they say!
Cheers all! :beer:

cornflakegirl

Provider: MBNA EUROPE

Amount Reclaimed:£332 (£410.32 with interest)

Amount they paid:£92.00 plus £332 = £424!!

The story:

• May 2008 wrote asking for full statements of charges
• 20th May - they wrote back detailing all my charges going back 6 yrs.
• June 2008 i replied with first template asking for full amount of charges plus interest of £410.32
• 20th June - Got a reply offering me £92 which they automatically put onto my credit card accoiunt but as it was a clear card they sent me a cheque a few days later.
• July 2008 thanking them for my interim payment used the 2nd template off here stating 'without prejudice' and asked for the rest otherwise i would take them to court.
• 23rd July wrote again asking for the rest of my money as i'd heard nothing back.
• Checked online today (28th July) and i have been refunded £332, which i assume will arrive in the form of a cheque somtime soon.

THANK YOU FOR ALL THE ADVICE FORM HERE... AND THANKS TO MARTIN!!:money: :beer:

Skint_Lynne

PROVIDER: CAPITAL ONE
AMOUNT CLAIMED: £1700
AMOUNT RECEIVED: £1700
THE STORY:

Started at the end of April and followed the advice on here and used the template letters. They denied any wrongdoing but are giving a refund anyway. Ended up using the FOS.

Thanks to everyone on here for the help they gave me.:beer:

SL x

ZOEROBERTS_2

CARD ISSUER: BARCLAYCARD
AMOUNT CLAIMED: £384
aMOUNT RECEIVED: £384

SENT A LETTER ON THE TUESDAY ASKING FOR REFUND OF CHARGES, GOT LETTER BACK BY THE FOLLOWING MONDAY SAYING THEY WOULD GIVE IT ALL BACK!
THEN DONE IT FOR MY PARTNER WHO WAS OWED £230 AND HE GOT IT BACK WITHIN A WEEK ASWELL!
THANK YOU!!:j

claireabelle_2

amount claimed - 89.17
amount paid - 89.17

using the letters on here...
first offer was 40, called the ombudsman and they said hsbc needed to send a final letter, so I called HSBC and said the ombudsman had asked for a final letter, so could they send one? they said they'd reconsider their offer and get back to me in 10 working days. They didn't, so I called on monday asking if it was in progress, weirdly my hsbc online card had disappeared from my online banking screen (even though it hasn't been cancelled), and I told them that if I didn't hear from them I would contact the ombudsman for advice on not receiving the final letter. Got a letter in the post today, woohoo :T and thanks Martin :money:

Stevens_Success

Provider: Monument
Amount Reclaimed: £704.00 plus interest
Amount they paid: £704.00 plus interest

Took 4 letters (Letter 1, 2 & 3MSE templates) and my own fourth letter

First response they said they were looking into my claim...the second response they offered half the charges only. I wrote 2 more letter and got no response so I sent my claim to the FOS. A week after sending my claim to the FOS (who I havent heard from yet) I received a letter from Monument offering all the charges plus interest.:rotfl:

One more claim on the go with Capital One which has been with the FOS for about 5 weeks.

If you look through all the success stories you will see that I have had 4 successes in total and I have received all the charges plus interest on all 4 claims...like many people have said don't accept the first offer or if your like me don't accept anything but the full amount including interest.

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

demongamesuk

Provider: Barclaycard
Amount Reclaimed: £860
Amount they paid: £860
The story:

This was so easy thanks to this amazing site.
Wrote a letter with £10 for my statements on the 14th June and got them on the 16th July. Sent a letter asking for £860 (full amount of charges + interest). Noticed on the 21st July they had credited my account with £300 so wrote another letter asking for the full amount or I will take them to court. Exactly a week later they credited my account with the rest of the cash!

Thanks so much Money Saving Expert... now going after Egg and Capital One... banks after that! Oh and I had paid off my Barclaycard before starting the process and have been able to book a ticket to Taiwan with the re-payment cash Very happy indeed

catinthehat1

provider: Capital One
Amount claimed : £492 + interest
Amount they have paid : £496 + 83.52 interest

Sent first letter they offered me £190 - sent 2nd letter they wouldn't budge, sent details/complaint to FOS - got letter today, Capital One want to settle before they are investigated - result - I'm happy, it clears my card and I have some over:beer:

stmidwife

Provider: Capital One
Amount claimed: £1099 inc interest
Amount paid: £1099 inc interest

I am one happy person! I sent my complaint on the 24th of June to the FOS and got the letter today to say Capital One are paying the full amount!:j:j:j

Please do not be put of by the credit card companies bully tactics! You will get your money back, you just need to be patient!

Thank you very much Martin and all the helpful people on this site!:beer::T:A