Credit Card Reclaiming Success Stories

dearbarbie

Provider: Capital One
Amount Reclaimed: £1500
Amount they paid:£1200
The story:

Wrote off letter asking for charges plus interest, they said no we won't refund, wrote off again saying I dont accept this and they offered me £435. I went to FO about a month ago and they came back with £1200 for me. I've accepted this and received a letter on Monday saying I will receive a cheque from CO in the next 6 weeks. Thanks everyone

dazzaofdagenham

Provider: Halifax Visa Card
Amount claimed £60
Amount piad £60

This was my second claim against the Halifax..Earlier in the year i had a successfull claim for £919.. However whilst that cliam was being settled they continued to charge £12 fees for late / over limit.

Sent a letter to them ( template ) about ten days ago, today received a letter saying they will pay that £60. What a result.

Thanks again to all on thi site who have helped me.

cowbopper

Provider: Monument
Amount Reclaimed: £624.52
Amount they paid:£624.52
The story: Originally claimed back in July, recieved 2 letters stalling and saying would be contacting again shortly.
29th August: Started Mcol.
Called today to ask what was happening and she refunded me over the phone, claiming they originally sent a letter on the 4th of September.

andrewman

I have successfully claimed back over £100 from Halifax in relation to credit card charges. i have used a company called Oasis to deal with the claim, but that came at a cost, I have had to pay £39.59 in costs, which is around 34% plus 17.5% VAT.

I am now waiting for my PPI claim, to be sorted, last time I spoke with the company dealing, the FSA needed my signiture on a document so they can calculate the value.
:T

BIKERCHIC

Provider: Littlewoods Personal Finance (Barclaycard)
Amount reclaimed: £144 + interest
Amount Paid: £155.52 including interest

Sent 1st letter requesting statements 3/9/08, got statements 6/9/08 (yes it was very quick)
Sent 2nd letter requesting £144 + interest 9/9/08
Got letter back dated 19/9/08 saying no charges fair blah blah
Sent letter threatning court action 24/9/08
Got letter today advising will credit my account with £155.52 as good will gesture.

All my charges were for £12
Happy to have some of my balance paid off.:j

PPI claim ongoing with FOS

thriftystudent

Provider: Natwest Mastercard
Amount Reclaimed: 254.76
Amount they paid: 259.20
The story:

Using the template letter on the website, I applied on the 1st August 2008 for a repayment of the charges applied to my credit card, which I believed were £168, plus 8% interest, making a total reclaim of £180.69.

Two weeks' later they wrote back to me with a detailed print-out of my account charges, which revealed that I had been actually been charged £240!! The letter said that as compensation they had credited my account with £12. This, as Martin Lewis' says on his guide to reclaiming, is where the negotiation begins. As I had actually been charged waaaaay more than I thought they owed me (cheers to Natwest for pointing that out!) I applied for the £240 they had taken plus 8% interest (total £266.76), minus the £12 they had already credited me, so a total of £254.76.

I recieved a letter this morning, Thursday 2nd October, saying they had credited my account today with £247.20! Added to the £12 they had previously credited, the total Mastercard have paid me is £259.20. So not bad at all.

It was such a lovely feeling to know that after only sending two letters and following good advice from moneysavingexpert.com, I was actually given money by the credit card company!

Thank you so much :money: , you're a hero!

a very chuffed,

thriftystudent x x x

Laini

just recieved letter to say they are offering 587.00
original charges total 544.00
so cash will be in the bank on tuesday
it took 2 letters over 5 weeks!!!

gavint_3

Provider: Egg
Amount Reclaimed: £264
Amount they paid: £264

Claimed back all the charges on my old Egg card (only one charge) and current Egg Money card. Got the list of charges (well actually they sent over 100 pages of statement printouts) and they cashed my £10 cheque, then after one letter I got a long reply saying that their charges were a genuine pre-estimate of Egg's costs in customers breaking the terms of their agreement (although apprently by attributing all of Egg's staff and IT systems to just the customers who broke their credit agreements).

After another letter threatening a court case but saying this was their last chance to pay without interest they agreed to pay up and have now credited the full amount I asked for to my card balance.

Thanks Martin. :rotfl:

Gavin

Laini

just rang Barclaycard and I will be receiving 639.91
originall charges 588.00
2 letters and a phone call over 8 weeks:j

ree1971

:j won capital one had to go to the obm but well worth it claimed 1975
got full amount but they still said that they were only paying me for goodwill as they were not unlawfull :rotfl: but im ok with that they can say what they want i still won:p so a nice big thnx martin for all your help will let u know how i get on with lloyds when i here from then trying to reclaim 3450:T