Credit Card Reclaiming Success Stories

kissmylittleface

Hi,

Love this site, long time reader.

Thanks to you lot I managed to claim back £787 from Capital One and £1330 from Barclaycard. It took an absolute age but was worth it.

Cheers!

phantom44

Provider: capital one
Amount Reclaimed:£1800
Amount they paid:full
The story:
sent templates letter off:j martins site
1 request cca
2 request sar
3 lba
filed in court on the 9/1/2009
21/1/2009 received letter from capitalone offering goodwill gesture of full claim
this claim started on the 15/10/2008
got usual letters blah blah blah, only when filed court papers things happened
thanks martin and others fr the great advice :j
ps i retire in 2 months time might take wife on cruise now

martyn2lewis

Claimed Against NatWest Mastercard
Amount Reclaimed £617 (£502 + interest)
Amount won £535

NatWest provided details of all charges for nothing .(No £10 fee). Initial claim resulted in an offer from the bank of £112 being the difference between charges levied at £20 and the "OFT guidelines" (their words) of £12. Using template letter from this site I declined their offer, but indicated I would settle at £500 if they settled within 14 days. They didnt and today 22 Jan offered me £535, which I have accepted.

My sincere thanks to everyone at moneysavingexpert for showing me the way ... now onto the other two in my wallet !

badboybill

Provider: MBNA
Amount Reclaimed:£565
Amount they paid: £565

The story:
sent templates letter off:j martins site
1 request list of all charges
2 sent first letter - no response
3 sent second letter - received £130 and told to go-away
4 sent third letter - received balance of £435

Claim started on the 3/11/2008 - completed 23/1/2009
Thanks martin and others for the advice :j

brightonman123

Capital One
Claimed £548 + £185 interest
offered £524 + £118 interest (accepted!)


Woohoo! Took a bit longer than I thought, but just had letter from FoS saying Cap1 are paying (near as damn it) my full claim, which is to be taken off my balance.

the charges amount offered is only £24 short, and i was stretching the interest issue a bit too.. best not push my luck!

Claim started in Aug/08, duff offer recd Sept, they wrote back saying no further offer, so FoS form done in Oct.. seems Cap1 even stalled dealing with them, as FoS wrote earleier in Jan, saying a further review of case and contact with Cap1 was being undertaken..

So MSE’rs, stick to your gunds, NEVER take their first offer (unless its in full!), and use the FoS if you have too- its a dead easy form, they do the rest/

And above all, be patient!

BelfastGirl_2

Provider: Monument
Claimed: £336 + £72.82 interest
Paid: £396

SAR sent 23/12/08, reply on 14/1/09
First letter sent 15/1/09, reply today (28/1/09) offering "goodwill gesture" of £396; only £12.82 less than I asked for! :j

More details are here:

http://forums.moneysavingexpert.com/showthread.html?t=1449239

(I can't wait to update my signature when the money has been refunded to my account!)

Skinnymoney

Hi
This is my first post to report my reclaiming success with Credit Card Charges. I have had the following successes to date (couple more in progress):

Company: Barclaycard
Amount reclaimed: £2300
Amount received: £2300
The story:
First request for details: 11.10.08
Second request for details: 05.11.08 (first request ignored so sent this one by recorded delivery = result)
First request for refund using standard letter: 29.11.08
Offered £600 plus interest: 05.12.08
Follow up letter sent requesting full refund: 13.01.09
Letter confirming full refund as 'goodwill gesture': 23.01.09

Result - £2300 richer. Many many thanks Martin Lewis and everyone on this website helping people to reclaim unfair charges.
Kind regards
Skinnymoney :kisses3:

:money: :money: :beer: :T :j :T

robleepeters

i have 2 credit cards with Halifax both with £175 worth of charges to be remlaimed

i wrote about both (seperately) they offered £75 on each card - i accpeted one but questioned the other because they hadnt calculated it properly and i had another issue to complain about on this card

they responded to the 2nd complaint letter with an offer of the full amount (i wish i had of held out on the 1st one as well now)

Log_Book

Provider: Barclaycard
Amount Reclaimed: £736.00 + £204.66 interest total £940.66
Amount they paid: £896.78
The story:

31st Oct: Requested statements
23rd Nov: Requested full payment of £940.66
02nd Dec: Reply to say looking into complaint.
23rd Dec: Delaying letter saying looking into complaint still
07th Jan: Letter sent requesting full payment or £700.00 if paid in 14 days
26th Jan: Letter back offering payment of £768.96 - which was accepted and in my bank within 4 working days.
30th Jan: Letter back to say will pay me £127.82 previous money already in my account so accepted this payment as well.

Ongoing with a claim against Egg and American Express and going to start one's against Mint, Halifax, Capital One. Just wished i'd started sooner.

advent

Nothing Changes!
>Just so everyone understands how easy it is to get screwed...
> >
> >First published in the British humour magazine "Punch" on April 3,
> >1957: But VERY Pertinent to what's happening today!
> >
> >Q: What are banks for?
> >A: To make money.
> >
> >
> >Q: For the customers?
> >A: For the banks.
> >
> >
> >Q: Why doesn't bank advertising mention this?
> >A: It would not be in good taste. But it is mentioned by implication
> >in references to reserves of $249,000,000,000 or thereabouts. That is
> >the money they have made.
> >
> >
> >Q: Out of the customers?
> >A: I suppose so.
> >
> >
> >Q: They also mention Assets of $500,000,000,000 or thereabouts. Have
> >they made that too?
> >A: Not exactly. That is the money they use to make money.
> >
> >
> >Q: I see. And they keep it in a safe somewhere?
> >A: Not at all. They lend it to customers.
> >
> >
> >Q: Then they haven't got it?
> >A: No.
> >
> >
> >Q: Then how is it Assets?
> >A: They maintain that it would be if they got it back.
> >
> >
> >Q: But they must have some money in a safe somewhere?
> >A: Yes, usually $500,000,000,000 or thereabouts. This is called
> >Liabilities.
> >
> >
> >Q: But if they've got it, how can they be liable for it?
> >A: Because it isn't theirs.
> >
> >
> >Q: Then why do they have it?
> >A: It has been lent to them by customers.
> >
> >
> >Q: You mean customers lend banks money?
> >A: In effect. They put money into their accounts, so it is really lent
> >to the banks.
> >
> >
> >Q: And what do the banks do with it?
> >A: Lend it to other customers.
> >
> >
> >Q: But you said that money they lent to other people was Assets?
> >A: Yes.
> >
> >
> >Q: Then Assets and Liabilities must be the same thing?
> >A: You can't really say that.
> >
> >
> >Q: But you've just said it! If I put $100 into my account the bank is
> >liable to have to pay it back, so it's Liabilities. But they go and
> >lend it to someone else, and he is liable to have to pay it back, so
> >it's Assets.
> >It's the same $100 isn't it?
> >A: Yes, but....
> >
> >
> >Q: Then it cancels out. It means, doesn't it, that banks haven't
> >really any money at all?
> >A: Theoretically......
> >
> >
> >Q: Never mind theoretically! And if they haven't any money, where do
> >they get their Reserves of $249,000,000,000 or thereabouts??
> >A: I told you. That is the money they have made.
> >
> >
> >Q: How?
> >A: Well, when they lend your $100 to someone they charge him interest.
> >
> >
> >Q: How much?
> >A: It depends on the Bank Rate. Say five and a-half percent. That's
> >their profit.
> >
> >
> >Q: Why isn't it my profit? Isn't it my money?
> >A: It's the theory of banking practice that.........
> >
> >
> >Q: When I lend them my $100 why don't I charge them interest?
> >A: You do.
> >
> >
> >Q: You don't say. How much?
> >A: It depends on the Bank Rate. Say a half percent.
> >
> >
> >Q: Grasping of me, rather?
> >A: But that's only if you're not going to draw the money out again.
> >
> >
> >Q: But of course I'm going to draw the money out again! If I hadn't
> >wanted to draw it out again I could have buried it in the garden!
> >A: They wouldn't like you to draw it out again.
> >
> >
> >Q: Why not? If I keep it there you say it's a Liability. Wouldn't they
> >be glad if I reduced their Liabilities by removing it?
> >A: No. Because if you remove it they can't lend it to anyone else.
> >
> >
> >Q: But if I wanted to remove it they'd have to let me?
> >A: Certainly.
> >
> >
> >Q: But suppose they've already lent it to another customer?
> >A: Then they'll let you have some other customers money.
> >
> >
> >Q: But suppose he wants his too....and they've already let me have it?
> >A: You're being purposely obtuse.
> >
> >
> >Q: I think I'm being acute. What if everyone wanted their money all at
> >once?
> >
> >A: It's the theory of banking practice that they never would.
> >
> >
> >Q: So what banks bank on, is not having to meet their commitments?
> >
> >YOU GOT IT!



Good luck to everyone still claiming. Don't give up.>