Credit Card Reclaiming Success Stories

riz1111

I was claiming against Citi for about £150. after much dispute citi took 60 days to even reply and send my charges. Financial ombudsman helped me out and I referred my case further to them , they have managed to give me £592.03 (as a gesture of goodwill from the compnay) including interest of 8% on top. wow to F.O for the great help. Citi Financial credit card could not prove the charges were reaosnable. :T (now the next one is capital one now in deadlock!)

[EMAIL="abuse@moneysavingexpert.com?subject=Reporting post http://forums.moneysavingexpert.com/showpost.html?p=19711883"][/EMAIL]

musicw8832

Date claimed: 01/04/08
Amount claimed: £117.93 includes interest

They ignored my first three letters and tried to pass them off as part of the bank account charges case but I persevered and got back what was rightfully mine in the first place.

Refund received: 23/01/09
Amount received: £118.12

Thank you to all the team at MoneySavingExpert.com

Spritzy

Provider: Barclaycard
Amount Reclaimed: £452 + Interest = £578.30 in total
Amount they paid: £578.30
The story:

I wrote to them requested details of charges. On the 9th of March I wrote to them asking for the amount above included interest - received letter on 12 March confirming they would pay it all!

What a quick turnaround! Am very very very impressed! Thank you so much Martin and the team. :beer:

ThanxandGoodbye

Provider: HSBC
Amount Reclaimed:60 ( 5 x £12 charges) + £3.07 interest
Amount they paid: 68.56
The story: My wife's credit card, after getting list of charges and cheque for £10 returned as "we do not charge for this service" I replied with the template second letter on 5th March asking for all charges back (even though they were all the £12 "maximum allowable")
Letter received 12th March offering £68.56 as a goodwill gesture!
Result!
Interestingly though, I claimed charges back on my own HSBC card at the same time, and followed the same path of replying asking for the return of these charges (£260 + Interest). On the same day I got the settlement offer from HSBC "Service Failure Resolutions" Department, I also received a reply to my credit card reclaim, using the exact same phrases ( I guess copy and paste is everywhere now) except that this one contains no offer and is basically a "get lost" reply. I will, naturally, pursue this with great vim and vigour and take great pleasure in receiving this particular refund. I like it when they struggle a bit.

cho8925873

barclaycard 26.02.2009 request statements
5.03.2009 recieved
6.03.2009 claimed £261.25
14.03.2009 offered £261.25 :j :j :j :j :j NATWEST

26.02.2009 REQUEST STATEMENTS
3.02.2009 RECIEVED
4.03.2009 CLAIMED £1074.07
8.03.2009 OFFERED £134.00 REFUSED THIS
14.03.2009 RE OFFERED £1054.08 :j :j :j :j :j :j NATWEST 2ND CARD
26.03.2009 REQUEST STATEMENTS
5.03.2009 RECEIVED
10.03.2009 CLAIMED £1074.07
16.03.2009 OFFERED £164.16 REFUSED :cool:
STILL AWAITING SAINSBURYS , EGG , GE MONEY AND LLOYDS NOW STARTED PPI

sdh48

17 Feb - asked for list of charges (didn't send £10!)
23 Feb - detailed list received
26 Feb - requested repayment of £648 + £148.91 interest
2 Mar - offer of £97.20 received
6 Mar - refused offer, sent 2nd letter
10 Mar - offer of £648 + £51.84 interest received
17 Mar - accepted £699.84

RESULT!:beer:

Thanks Martin:T

Also going after Natwest, RBS, MBNA, Barclaycard, HFC, JLFS, M&S

73bugz

Provider: Sainsburys Bank
Amount Reclaimed: £547.21
Amount they paid: £549.38
The story:

20/01/2009 - Sent first letter asking for list of charges, including £10 cheque.
10/02/2009 - Recieved list of charges back.
12/02/2009 - Sent second letter asking for all charges back including interest.
25/12/2009 - Letter recieved stating that they had 8 weeks in which to reply.
09/03/2009 - Letter recieved offering £198, difference between charges occured.
11/03/2009 - Sent third letter threatening court action and asking for full amount.
17/03/2009 - Letter recieved offering amount of £549.38 as goodwill gesture.

Many thanks to all who post their success stories on here, it helps to keep the motivation going.

Next is Capital Scum, then Barclays and MBNA on behalf of my other half.

I was dubious about claiming back the £12 charges, but i went for it and i got them back too!

Good luck - you will get a result in the end.

bdt1

29th Jan 09 sent off £10 and request for statements

26th Feb 09 request refund of charges plus interest £861.82 (1st letter)

18th March receive letter confirm full refund (£861.82)

Can't believe how easy it was, didn't even need to send 2nd letter, now cleared balance, so one less direct debit each month,

Thanks Martin, great help!!!!!!!!!

spikeykatt

Just thought I would let you know, I managed to get Barclaycard to give me back my charges to the tune of £180.00. It only took one letter (from this site) and six days and they paid up. It's a great feeling and it's all down to this fab and helpful website. Am still working on (predictably...) the Bank of Scotland charges on my husband's card but I am at the second letter stage now-and I am not afraid to use it!! It just shows you that you have the right to get this cash back!

tofwig

where do i get letter template asking for charges back. on here i cannot open the damn thing or even edit the one on the page.......... please help me some one.

many thanks