Credit Card Reclaiming Success Stories

sillyme

I am GOBSMACKED!

I've had a court case pending for fees I'm claiming back from First Direct and only 3 weeks ago decided to have a go at my credit card providers - past and present - with little faith, I should add.

Anyway.

3 weeks and 3 stamps and 3 template letters later and I've just had some not insignficant success!!!! :rotfl::rotfl::rotfl::rotfl::rotfl:

I asked them for £354 back in fees and interest - and I included the 'acceptable' £12 fees they charged which I was even more dubious I'd get back.
BCard sent me my statements.
They then replied to a template letter from me and said as a gesture of goodwill here's £42
I then wrote back and said no, and threatened court using the template on here
AND TODAY I GOT A LETTER SAYING HERE'S ANOTHER £312! :T

I WIN.

I got the full amount back - all for the price of 3 1st class stamps!

Only Egg and MBNA to go! Oh, and First Direct.

sillyme

:rotfl:And another!!!

Opened the post this morning and Egg have refunded the full amount! :rotfl:

I've made £500 back in a week!

:T:T:T:T:T

trudij

got cheque for £510.16 today - so they have refunded it all...


:j :j :j :j :T

:money: you are a star!! thankyou everyone who has helped me through!!!

gally09

Amount: 1718.16 incl interest
Amount awarded: 1718.16

Sent my first letter about six weeks ago. Abbey came back with offer of the difference between my original charges and £12.00. Cashed the money and sent another letter saying I accepted as part payment and would like the rest of my money please!

2nd cheque arrived today!!!! Easy as you like:beer:

cot1198

I am very happy

Got my money back from natwest
a few letters back and fourth I asked for £118 they offered me £127
work that one out

ElastiMum

Bank: MBNA (Virgin Credit Card)
Amount Reclaimed: approx £1200
Amount they paid: approx £900
The story: Sent just the one letter (template + charges& interest calculations. Took approx 6 weeks to get a response which they offered around £900 (can't remem exact amount as it was almost a year ago). I accepted as it meant I could then close that account. :j

Bank: Egg Credit Card
Amount Reclaimed: £688 charges + £227.16 interest
Amount they paid: approx £915.16
The story: OH sent standard letter to Egg claiming the above amount. They replied after about 6 weeks to say Go Away! Sent a second letter threatening obudsman. They sent a second response saying Go Away. Sent details to FO at beginning of Aug. Received response from FO on 27th Aug to say Egg had agreed to repay full amount.:j

th3_duckst3r

halifax one credit card

amount claimed £1099
amount got back £1099
this goes along with the £750 i claimed back on the ppi on the card also
so great result with them took a few months but good stuff.:T

im going to ask for a check for this amount is this wise i know people have
and it gives me the option in the letter to have this directly onto my card.

hampshirehick

the story.
amount claimed £862-20
amount paid £862-20

sent off template letter for statements september 08
statements received end of september
added up all charges and sent off letter for £802-20 inclusive of 8% interest.
letter back form cap one offer of £228-00
rejected this and asked for toatl amount or i will pursue through court.
same offer returned, i declined.
applied to court through moneyclaim, £60-00 fee on october 21st.
just received a letter today, they dont want to waste courts time and as a gesture of goodwill will pay all the money i claimed plus court costs.

yippee , keep going everyone

thriftymomma

It was Halifax CC.
I just phoned the customer relations number and asked them for a list of charges. They said ok and sent them out. Then I phoned and said could I please reclaim said charges over the phone. Lady said ok, will set things in motion and are you reclaiming the full amount. I said yes.
After hanging up , I worried about the fact no mention had been made of interest as the phonecall went so quickly and easily I was a bit stunned so forgot to mention it. Anyway, I get a letter from Halifax a week later saying I could have half of it.
I then rang the customer relations number and said please could I have more than what you are offering. So sorry that is three phonecalls.
aNYWAY, she said, well I haven't got the power to authorise that but will escalate the claim and pass you to the complaints dept.
Within a week, I had a letter saying sorry you are not happy with the crap offer and without admission of liability, please find all charges and interest (btw totalling a little more than I had originally calculated) have been refunded to your account with immediate effect. IF YOU ARE NOT HAPPY YOU CAN GO TO THE OMBUDSMAN. lol.:T
hopped online to check, and indeed they had been reapplied to my account, reducing my balance beautifully and giving me renewed hope for the future!
I had actually typed the letters out each time, but just because I am a lazy mare thought, I'll just give them a call on the offchance, what's the worst they can say.
Saved me the cost of any stamps!
Anyway, that's my story. Good luck everyone.
Thanks MSE.:money:

hendec

Claimed 1041.00
Won 1041.00

after they offered me 12.00 per charge I decided to go to the Ombudsmen, wow can't believe how quick it was, from sending off my application to getting the full offer took about 5 weeks, just waiting for the credit to appear on my statement.

Stick at it guys its well worth the wait and I would seriously recommend the ombudsmen as oppose to MCOL as its free and surprisingly quick.

Thanks :money: Martin