Credit Card Reclaiming Success Stories

wood34

provider; mint
amount claimed; £456.00
amount recieved; £479.52


22nd january sent letter requesting 6 years statements
29th january recieved statement of charges
30th january sent first template letter asking for charges £456.00 even though half of them were £12 charges.

4th february recieved offer of £120 for the differance of charges £12/£20
5th february sent second template letter with interest calculator letter saying that the offer was not satisfactory

11th february recieved an offer of £479.52:j

So accepted the offer and signed the form and sent it today.

I must say that i was really impressed with the speed in which they have dealt with my claim:T just see how long i have to wait for the cheque:rolleyes:


Thanks to this website and martin :money:

claims2win

Barclays bank
claim started september 2007
amount £3300
got rejected as it was time of test casing etc.
now living abroad and not working at the moment.
Read about fsa ruling hardship cases
Wrote to barclays jan 22nd claiming hardship
reply from barclays 4th feb wanting more details.and sent me expenditure form.
Plucked up courage to call barclays on the 6th explaining all income and expenditure.
11th feb call from barclays with offer of £2100
Accepted offer explaining I will be claiming rest when court case is over.

Next is halifax and then my credit cards and ppi and finally mortgage exit fee!

KillyGirl

Provider: Mint
Amount Reclaimed: £185
Amount they paid: £172.10
The story:

I closed the credit card account a year ago but wondered if I could claim charges back. I phoned the customer services dept and just asked for a list of charges to be sent to me. A week later the statement arrived (no charge).
I asked for all the charges (£160) plus compound interest of 8%.
The offered me £64 (the difference between each £20 charge and the recommended £12 charge) a week later. I phoned them and asked for 8% compound interest on top of that. They refused and offered me 8% flat interest. I declined and sighed that I'd need to take it to the courts. The agent said "wait, I'll speak to my manager" and 2 minutes later he came back and said they would offer the full charges plus 8% flat interest....RESULT...
Recieved a cheque today:T
I'm now going after RBS and EGG.
DO NOT ACCEPT FIRST OFFER x
Thanks a million to Martin x

GOG

Provider: Abbey
Amount Reclaimed: £44.19
Amount they paid: £44.19
The story: Took out credit card to use for just the 6 months interest free period. DID NOT set up direct debit (sorry Martin, your advice is soooo right) so got charged for late payment followed by interest on original £12 fine. Asked for refund, closed account, cut up card and sent it back to them. Usual guff about in their terms and conditions so wrote asking a human to look at account and not computer which doesn't know I am a loyal customer of over 40 years - does that mean nothing these days. Stated my next letter was going to the Financial Ombudsman. Fell over themselves to apologise and appease me and fully refunded amount. Have since closed current account and ISA with Abbey as a personal protest against their treatment of a long standing customer. It's well worth keeping on at the bank even for such a small amount. [Thanks for your webpage]

hippy-chicy

Provider : Royal Bank of Scotland CC
Claimed: £228.00 + £21.08 interest
Refunded £259.50

Sent my first letter using the template and enclosed a cheque for £10 on the 15.01.09. RBS replied on the 23.01.09 and enclosed a list of all charges (for both overlimit and late payments) . They also returned my cheque stating that they did not charge for this service.

I sent my second letter on the 25.01.09 (using the template) requesting all fees are refunded plus interest. Included a print out from the interest calculator on this site.

1st refusal letter received from them on the 28.01.09 stating that charges are fair etc.

Third letter sent 01.02.09 again using the template and giving them 14 days to respond.

Letter received from RBS on the 06.02.09 offering full settlement of £259.50.

10.02.09 letter sent to accept their offer.

Also just to note all the charges I have had refunded are the £12 so called 'fair' charges.

Now i'll be going after Sainsburys Visa, Halifax and Vanquish- will keep you updated

Google

Provider: Halifax
Amount Reclaimed:
Amount they paid: £621.51
The story:


Very quick must say just one letter of complaint sent
respond of complain
amount which has been calaculated
Agreed, received cheque

ruthyroo1

Hi

Started the reclaiming process 14th January 2009.
Provider: Barclaycard
Asked for £240 back and on Friday had £240 credited to account plus £20 charges. Cannot believe how quick and easy it was, no refusal no arguing just the money re-credited!! Currently waiting for Capital One statements to come through and will then be putting another claim in.

Thank you MSE
:T

Ruthyroo1

xxxxxxxxxxxxxx

mary_mungo_+_midge

Tesco Credit Card
Claimed £378
Paid £408

Surprisingly easy, sent template letter just after Xmas, Tesco said charges were fair and offered refund of difference of one £20 charge and the new £12 charge, so grand total of £8!
Wrote back and asked for full £378 and they offered £8.40!!! so wrote back and again stated that I wanted the full amount, and today had letter offereing £408, which I suppose is the amount I asked for + interest. Thanks to everyone on here, couldn't have done it without you all xxx

dude2803

Provider: Monument
Amount Reclaimed: 864 +148 interest
Amount they paid: 864
The story:

Sent first request for statements 16th Dec, had statements within 3 weeks.

Sent letter asking for refund in full of 1012 inc interest. Received letter back from them stating would pay me half the fees (£432). Sent another letter back saying i am claiming the full amount but would accept £938 (charges plus 1/2 interest) if within 14 days.

No reply so called them and they said they sent a letter confirming they would pay me the £864. I accepted this as happy with that.

Funds will be refunded to my account directly which is fine.

Just want to say a massive thank you to Martin for this knowledge.

One of the easiest ways of getting your money back and a great way to take on the companies for a change.

thank you Martin, and all on this site for their advice and tips.

biggy123456789

Hi I am looking to claim bank my bank charges at 2 banks. Firstly I want to know what exactly can I claim and can I add interest? secondly is it worth opening another account incase they shut my other one down? Thanks