Credit Card Reclaiming Success Stories

St0lli

Provider: MBNA
Amount Reclaimed: £647.11
Amount they paid: £647.11
The story:
10th Feb 09 Requested full listing of my charges
6th March Requested FULL refund of charges including interest (£647.11)
27th March Letter received offering me £198.
30th March Sent letter refusing offer and requesting full amount on
16th April Letter received offering full refund.

The letter also gave me a ticking off telling me I'm in arrears on my account (I'm on a DMP) and said the amount will only be deducted from my outstanding balance and not from my arrears! :rolleyes:

Thank you MSE!!!!

Next stop..... Halifax CC

bored_at_home

provider MBNA
requested £547 plus interest £83.98
recieved £1145.82

this was in 3 payments, first £104 goodwill, then £96 goodwill, then £945.82 after threatening court if no better response re charges.
this is all charges refunded for the past 6 years with 8% interest and was issued with a final response letter to another issue i have with them.

i got no idea how there is such a differance in what they say was charges and what i asked for, but im not asking :rotfl:

hey-jupiter

Provider: Lloyds TSB
Amount Reclaimed: £322.00
Amount they paid:£182.00
The story:

I sent off the first letter only 2 weeks ago. Although I claimed £322.00 which included all fees including interest, they gave me back just the difference + interest. I am really happy to get this back and in only 2 weeks!!!!!!!!!!!!!!

THANK YOU!!!!!!!!!

donut22

Natwest credit card
Amount requested £520
Amount received £574.56

Sent 1st letter requesting charges 17/2/09
Had back list 26/2 and then sent them letter requesting they refund £520 charges (including all £12 and £20 charges)
They replied by offering £146.88 being the difference between the £20 i was charged and the £12 they believe was fair,they also added interest.They stated that £12 was seen as a fair charge blah blah
Having read all the comments on this website about success it gave me the confidence to persevere (MANY THANKS EVERYONE)

6/4/09 i replied rejecting their offer and stating that i still wanted the £520

This week got a letter stating that they are willing to offer me £574.56 (what i wanted + interest) which I have happily accepted

Many thanks to everyone as i would not have done this on my own
All the letters i used were templates from this website

I am still in the process challenging Citi and Capital One but they are both very very slow


:j:j:j:j:money::money::money::money::D:D:D:D

Tee_Jay

Just follow the steps on this site...

Keep going, stay positive and assertive and you will get some payback for the misery these big established organisations have heaped on you!!

Provider: RBS
Amount Reclaimed: £368.77 (inc interest)
Amount they paid: £315.36
The story: Just followed the steps - they originally offered £100ish but I complained and then got the above offer - which I will accept :T

Provider: Barclaycard
Amount Reclaimed: £459.97 (inc interest)
Amount they paid: £459.97
The story: Paid in full after first letter :T

Provider: HSBC (two cards - me n the missus)
Amount Reclaimed: £180 (inc interest)
Amount they paid: £200
The story: Paid more than I asked after first letter :T
Provider: GM Card
Amount Reclaimed: £400+ (inc interest)
Amount they paid: Still waiting - but am confident!!
The story: Just sent the letter giving them 7 days to cough up!!
Provider: Egg
Amount Reclaimed: £?? (inc interest)
Amount they paid: £??
The story: Trying to track down my account details... this is an old account
Cheers Martin :money: and thanks for the motivation from all these success stories!

GM Card have now paid in full - which cleared the outstanding I owed them and an extra £200 for me!!
Still trying to trace the Egg Card info to claim from them.:cool:

:beer:

onedayiwillbe_rich

I asked for £220 plus interest from IKANO financial services for charges on my oasis card.
Was offered £69
Said no thanks, I would like all of it please!
Got an offer for £220!!
Result!!

:money::T:beer:

bally1208

Provider: Egg online credit card
Amount Claimed: £203
Amount They Paid: £203


Had a egg credit card from 2004-2006 put a claim in on the 16/03/09 for overlimit charges totaling £160. Sent the first stage letter had the usall fobbing of response that as far as they were concernd all the charges were fair and i would not recive anything..

Sent the more millitant second stage letter then had a responce saying they were willing to refund me £32!! then i sent the 3rd letter rejecting there offer and threatend if they did not pay out in full i would take my case to the county court also bring much unwanted media attention to there exploits!

Just had a letter today offering to pay the full £160 plus £43 in interest!!
Just goes to show if you persistant and do not back dwn victory can be within your grasp!! ... im also chasing them for the PPI i had on the credit card they are being more resistant with that claiming when application was filled out online the PPI box was NOT pre ticked so have refused to pay out.. The FOS are now dealing with that and i am very confident of a second victory!

Next target Barclays!! and good luck to every one out there and many thanks for all the advice and recomendations i have recived from every one on the site!!

natweststaffmember

The ONE show on BBC1 will have about Credit Card reclaiming tonight at 7pm. Well worth a watch as it is now 3 years since the credit card report from the OFT.

beemamad

Provider: LLoyds Tsb credit card
Amount Claimed: £908.87
Amount They Paid: £1139.45

Thank you to everyone on the site for help with reclaiming. Really needed this.

budgie12

Bank: Tesco Personal Finance
Amount Reclaimed: 622 plus 165.33 interest = 787.33
Amount they paid: 660.96
The story:

applied for statements: had all my my old statements so checked them myslef and used interest charge calculator on this website
first request for refund: 12th April 2009
prompt reply from tesco offering 129.80, so i refused
2nd request for refund: 20th April 2009
received reply today 24th April 2009 offering me 660.96

Am really over the moon with this offer and am going to accept.

This is money I didnt think I would ever see again!!

Have done same with capital one but no reply as yet, have just sent off letters to abbey re bank charges as well.

I would never have known about this if I hadnt of seen Martyn on tv and signed up to his emails.

Moneysavingexpert is my new guru, we all love him in work

Many thanks to all who posted messages it has helped to read others experiences
:money::beer::j:money::rotfl::A