Credit Card Reclaiming Success Stories

Rosie2404

Provider: Barclaycard (Husbands Account)
Amount Reclaimed: 355.30
Amount they paid: 335
The story:

Had all old statements so sent off letter requesting charges back 27/01
Received letter offering £36 plus interest 05/02
Sent second letter 16/02
Checked today and account is showing £335 in credit!

Account is closed so just need to get money transferred over.
Thanks Money Saving Expert!!

Dont take the first offer from Barclays - this was so easy!!

Rosie2404

Dont know what bank you are with Biggy but Barclays said they would make mine into a basic bank account and so did Hubbys bank (Natwest) but not shut it completley. I wouldnt have thought they'd be allowed to shut it completely but I dont know the rules on that(!) You can claim unathorised overdraft fees and bounced cheque and direct debit fees. There is a full list of the charges you can claim shown on here in the reclaiming section. There is also an interest calculator in the reclaiming section that works out all the interest for you. Sorry I dont know how to put a link in here to the bit on the site that does that but if you just go to the recliam 1000s tab and look at the bank charges bit it will talk you through it step by step. good luck

BelfastGirl_2

Bank: Monument Visa
Amount claimed: £409 (including interest)
Awarded: £396
Story: Sent off request for list of charges on 23/12/08. Received list early January - total of about £350 - added on the interest and sent back template letter requesting refund. Received a letter back offering £396 as good will gesture as they said that charges actually amounted to £792, so they were prepared to pay half. Accepted this as it was almost what I had asked for, and I'm not convinced that £792 is correct!

Bank: MBNA - Alliance and Leicester Credit Card
Amount claimed: £546 (incl interest)
Amount awarded:£549.70
Story: Requested list of charges on 23/12/08. Received list early January - total of about £460. Applied the interest and sent off template letter. Logged on to account and saw that there had been £104 refunded to account on 13/2/09, and got a letter a day or two later offering this as goodwill gesture. Sent off second letter last Monday, having re-calculated the interest giving a new total of £549.70. Checked account last night and the rest of claim had been put on to the account!

Err1

Provider: Halifax
Amount Reclaimed: 63
Amount they paid: 63
The story:

Went overdrawn on my current account by one day and learned that they would be charging me a total of £63. Rang them and said that I thought the charges were unfair especially since I haev never been in the red before and how my wages were paid in the following day! Lady was polite and said that it was in teh terms and conditions to which I agreed when opening the account, but nethertheless, I persisted saying that the charges were disportionate and unfair.

"one moment please...." and then the charges were wiped from my account! Though she did say that in future....

THANK YOU for your advice, it worked!

ktbryony

Provider: Halifax Credit Card (my partners)
Amount Reclaimed:£1,125 inc. interest
Amount Paid:£1,125
Story: Partner took out this card 5 years ago and recieved up to £50 a month in charges quite frequently. Had all statements so worked out how much they owed me and sent template letter. One week later they sent letter offering £494 as goodwill gesture. Replied with letter threatening court action. Couple of weeks later they replied saying I can have full amount including interest!! :j

Provider: Mint
Amount Reclaimed: £256 (£315 with interest)
Amount Paid: £276
Story: Had all statements so worked out charges and sent template. They replied less than a week later offering £88. I replied with Court action letter. One week later they offered me £276 which includes 8% interest.:j

Provider: Halifax Credit Card
Amount Reclaimed: £410 (£461 with interest)
Amount Paid:
Story: Same as above. Have recieved reply offering £52!! Have sent letter threatening court action but have not heard anything as yet.

Provider: Abbey
Amount Reclaimed: £752 (£848 with interest)
Amount Paid:
Story: Same as above, have recieved reply offering £104!! Have sent 2nd letter and waiting for response.

Have also sent PPI claims to Halifax and HFC. Have recieved response from Halifax saying I will recieve cheque within next month of full amount. No reply from HFC as yet.

Just want to say big thanks to everyone on this site. Have worked out I will be debt free by end of this year!! If I hadnt of done this it would have taken 2+ years!! :beer:

Rosie2404

Provider: Barclaycard (My Account)
Amount Reclaimed: 189
Amount they paid: 189
The story:

Requested old statments/list of charges
24.02.09 Received offer of £129
24.02.09 Sent 2nd letter by fax and phoned 26.02.09 and was offered a further £60

Thanks MSE

xmasturkey

initial letter sent 2007 requesting charges and interest. offered £35 settlement. i declined.
waited to see what courts were going to say.

re-sent updated interest and charges letter two weeks ago to get myself back in the queue plus i now knew that c cards were not part of court stay.

Egg decided to roll over and offered full settlement today.

£350 ish back in my pocket....:j

now to await the OFT decision on the banks..:D

thanks MSE

Rosie2404

Provider: Aqua/Halifax (Husabands Account)
Amount Reclaimed: 130
Amount they paid: 130
The story:

Had old statements so just sent off first letter requesting refund (all £12 charges)
Received get lost letter.
Sent 2nd letter and was offered full settlement of £130.

Thanks again MSE!!

Thanks MSE

loobi_lou

last year I followed this site with use of template letters to MBNA and Barclaycard. Both offered 1/2 what I was owed, so I was brave and used second template letter and guess what? I got all my charges back on both it took about 8 weeks on both. Mbna was alreay paid off so that was money straight back in my pocket. Ive had at least 4,000 back thanks to this site and I have ppi and mortgage exit fee claim on the go for my oh, so wish me luck on those too. Thanks again to martin and all the people on here who encourage you too keep at it. Good luck to everyone with claims on the go.

Catcolcalcam

Provider: Sainsburys bank
Amount Reclaimed: £1404 inc interest and full amount
Amount they paid: 560.00
The story:
Only first letter worked a treat. All done on the time scale. As Martin says it is so easy.:T :T :j :T :j :T :T

The question is on my account i only owe them £170. Can I ask for the remainder to be put in to my bank account and not to the card as I want to close it now.