Credit Card Reclaiming Success Stories

mon1o

Provider: GE Money (Asda Storecard)
Amount Claimed: £170.21
Amount Paid: £315.46 (RESULT!!!!)

Well, I started the claim back in April and received a letter telling me to get lost. So i threatened court action and once again was told to get lost. Then I went to the Ombudsman. Here i am 2 months later with a letter in my hand saying GE would rather pay me almost double what i claimed in the first place rather than have the FO conduct a formal investigation however.........they do not accept that their charges are unfair or unlawful......yeah ok.

Thanks once again Martin!! Bring on HSBC!

missmoneypenny2007

Capital One success!!

Originally asked for my charges £556 without interest using templates here.

They said they will only refund me the difference (£12) i refused and sent a last letter staing if they did not refund the the £556 then i would take it to court requesting the full amount plus interest, i sent interst calculaton sheet ALSO more copies of the statement highlighting the charges (all was recorded delivery).

They refused to budge so i started MCOL.
They ackwoledged andthen that same week got a lettr through the post sayin that tey accept no liability but are refunding the full amount plus interst totalling £746...I have money stil being paid to them via a debt collection £323 which they said they would take back from the amount ut will send a cheque for te remainder within 14 days!!!

So yep another capital one victory!!

Alwayshardup

PROVIDER: BARCLAYCARD
AMOUNT REQUESTED: £618.19
AMOUNT THEY PAID: £539.10

STARTED CLAIM FOR HUBBY IN APRIL REQUESTING £496.00 CHARGES AND £122.19 INTEREST (£618.19). FIRST REPLY OFFERED GOODWILL GESTURE (LOL) OF £188.00. TOLD THEM NO WANTED FULL AMOUNT. FINAL RESPONSE MAY, OFFER OF £539.10 WHICH HE ACCEPTED.:beer:

PROVIDER: CAPITAL ONE
AMOUNT REQUESTED £752.64
AMOUNT THEY PAID £808.10

STARTED CLAIM FOR HUBBY ON 17 APRIL REQUESTING £572.00 PLUS £180.64 INTEREST. FIRST REPLY BACK 25 APRIL OFFERED HIM £190 AS GESTURE OF GOODWILL (LOL). 2ND REQUEST FROM THE TEMPLATES OFF THE SITE SENT 8TH MAY. FINAL OFFER OF £190 SENT 16TH MAY. LET THEM STEW FOR A FEW WEEKS THINKING THEY HAD WON. 25 JUNE DECIDED TO TAKE THEM TO COURT. FILLED THE FORM IN ON LINE (REALLY EASY) USED MY CAPITAL ONE ACCOUNT TO PAY THE COURT FEE £60. NOW LET THEM SEE WHAT ITS LIKE TO BE HASSLED:rotfl: THEY THEN HAVE TO REPLAY IN 14 DAYS. TOTAL NOW £808.10 INCLUDING COSTS. 11TH JULY CAPITAL ONE OFFER £808.10 AND CREDIT TO HUBBY ACCOUNT.:j :j :j :T
HUBBY VERY HAPPY.

ABBEY NEXT ON THE LIST. THANK YOU MARTIN AND EVERYONE ELSE FOR YOUR STORIES, MY ADVICE IS GO FOR THE INTEREST TOO YOUVE NOTHING TO LOSE. DON'T BE AFRAID OF THE COURT THREAT EITHER, BECAUSE THEY ARN'T WHEN THE BOOTS ON THE OTHER FOOT!!:beer:

Alwayshardup

PROVIDER: BARCLAYCARD
AMOUNT REQUESTED: £920.00 PLUS £260.96 INTEREST
AMOUNT THEY REPAID £972.00

First request 16th April for £1180.95. First offer 23rd April £344.00 (good will gesture) must remember that one next time they hound me for repayment!! 2nd request 28th April. Final Response 8th May offering £972.00. This cleared my card and then they had to credit my bank account with £442.83:rotfl: :j :j
SO HAPPY
HAVING MORE TROUBLE WITH MY OTHER BARCLAYCARD THO BUT AM NOT GIVING IN. IF THEY CAN PAY OFF ONE THEY CAN PAY OFF THE OTHER.

KEEP GOING EVERYONE ITS WELL WORTH IT. DONT BE AFRAID TO THREAT WITH COURT EITHER.:T

BLOW ME POST JUST ARRIVED AFTER I TYPED THE ABOVE REGARDING MY ACCOUNT HAVING TROUBLE WITH. LETTER FROM MERCERS DEBT COLLECTIONS LTD. SAYING I OWE BARCLAYCARD £391.95. GOT ON PHONE TO THEM AND EXPLAINED EVERYTHING RE CLAIMING CHARGES AND THEY OWE ME. VERY NICE LADY SAID SHE WOULD RING BARCLAYCARD AND RING BACK. TO HER WORD SHE DID AND MY ACCOUNT WILL BE CREDITED WITH £753.05 WHICH CLEARS BALANCE £391.95 INT & CHARGES. SO £361.11 TO ME. NO LONGER IN THE RED HAPPY DAYS
KEEP GOING EVERYONE, DONT BE PUT DOWN BY THESE BANDITS. THANKS MARTIN FOR ALL YOUR HELP

moneynurse

PROVIDER: BARCLAYCARD
AMOUNT REQUESTED: £ 323.21
AMOUNT THEY REPAID: £ 311.04

Wrote first letter on the 01/05/08 requesting list of credit card charges, recived this back then wrote requesting full payment of £323.21, offered £96 plus £7 interst. Wrote back stating I wanted the full amount or else I would be forced to start legal proceedings, gave them 7 days to cough up and just as I was about to start legal proceedings, I checked my account and had received £311.04, ok not the full amount but only £12.17 short from it! Thanks Martin:money: and everyone at moneysavingexpert.com

Next challenge is my old LloydsTSB credit card I had when I was a student!

cowbopper

Provider: Capital One
Amount Reclaimed: 1137
Amount they paid: 1137
1st Letter: 16.06.08
Reponse recieved offering £319
2nd Letter: 09.07.08
Final response recieved saying original offer will not change
MCol Initiated: 28.07.08
Capital One paid up: 18.08.08

iceland_viking

Hi
Apologies for shortness of email......

sent letters, took it to MCOL, said they would defend, 5days later cheque arrived for full amount - £398!

Result:beer:

Always go MCOL, have settled every credit card within weeks going this route

Thanks:T

**AquariausAngel**

Provider: MINT (RBS)
Amount Reclaimed: £101.61 inc Interest
Amount they Paid: £95.05

Story:

Wrote first letter 7th June requesting money back after receving list of charges at no cost to me (some credit card companies want paying first). Got the usual letter back saying terms and conditions fair etc but enclosed was a cheque for £16 for the difference between £12 and £20 I had been charged twice. Wrote back on 30th June accepting the £16 'without prejudice' but still wanted the further amount. Had another letter 7th July saying no again but with a cheque for £1.28 - the interest on the first £16! Wrote back again on 5th August (I'd been away on holiday) accepting the £1.28 again 'without prejudice' but this time expressed I felt as a consumer that the level of all charges are still too high and didn't reflect the true cost incurred by MINT. Then on 15th August had a letter saying they were offering me an additional £77.77 as their final offer. This meant they would have paid me £95.05 in total. I gladly accepted and after a quick phonecall arranged for them to send me a cheque in the post as in the letter it said they had transferred it onto my card which I don't have anymore. I haven't received the cheque yet but ut should be here any day now. I'm so glad I sent that final letter as I felt near to giving up so it just goes to show if you push a little more they may eventually give in! :beer:

Hope this inspires some of you! Go for it I'm glad I did! :j

Thanks MARTIN!! :money:

Just gota get Barlclaycard now!! :rotfl:

th3_duckst3r

reclaimed my ppi that is on my credit card.

refund of premiums to date =£464.72
interest charged on premiums =£195.22
compensatory interest at 8% =£87.32
total compensation =£747.26

now i just need the £1093.26 in charges to be refunded.
then im well set..

jane234

Citi Cards
Claim: £535
Interest £177.40
Total Received £712.40

I have successfully claimed from all credit cards i had last year but citi cards were the 1 that would not budge.

so started again last week sent them letter 11th aug requested £535 in unfair credit card charged as i already has the statements from last year....
today received a letter from sunderland (not salford like last year) but they were not admitting liability, but offered to pay me back with full charges plus interest what a result!!! Didnt even send the template letter that included interest.... Just shows keep at these companies they will back down
thank you Martin xxx:j