Credit Card Reclaiming Success Stories

pork_pie

I hope this helps and has not already been covered. I wrote requesting a refund of all unfair charges and received a computer generated reply signed by the Lady Vice -President no less -I'm flattered! The first delay was to guarantee a reply by 14th. April about a months wait. This failed of course so I tried to ring on that date. It was evident they did not want to be contacted. Their correspondence had no contact name (only the Vice- President -i might contact her at home yet!), no complaint or file reference, PO box address and no phone number on the letter. To be fair they did include a leaflet with general call centre numbers. After three transfers and not being able to speak to anyone dealing with the issue I was told that a letter had been drafted on the 6th but they had no knowledge of its contents the delay was the Easter post! Over a week later got the usual letter with a "goodwill offer" of £174 against a £250+ claim. Bring it on! Wrote back thanking them for the "gift" without prejudice to my claim and cashed the cheque asap. Still pursuing the claim and waiting for some more free money. As to the blatant disregard to protocol in their complaint procedures, by a company of this stature ,i raised it with th FOS but they were unable to help in this area. Apparently it will come under the remit of the OFT and i will get them to investigate, report them to the Banking Ombudsman and anyone else with the teeth to take them to task. I will keep you posted.

daisydoodlepie

MBNA claimed £846 Won £846 ...... Success from MBNA. Asked for £846.00, offered £286 .....as if!!!, replied final letter but I offered to settle without interest or would go to Court. Recieved letter today as a gesture of good will they would add £556 to £286 ..... Full £846 reimbursed........result!!! Keep at it everyone ~ don't give up ....... now who's next.....

tease1972

I managed to claim back all my credit card charges from MBNA in Mar 09 so I decided when I was claiming for those that it would be worth trying for my PPI (or PPC as MBNA call it) charges as well.

• 6 Feb 09 -My letter to them requesting list of all insurance charges
• 11 Feb 09 - 1st letter from them saying we are investigating your complaint (?)
• 6 Mar 09- 2nd letter from them and list of charges
• 11 Mar 09 - My 1st step letter asking for refund as I thought policy mis-sold
• 18 Mar 09 - letter from them saying thank you for my letter they will respond in 28 days
• 9 Apr 09 - letter from them saying sorry for the delay we will repond by 11 May 09
• 17 Apr 09 - letter from them basically saying it was up to me to have made sure it was correct and that in 03, 04 and 07 changes had been made so again it "provided me further opportunity to contact them to discuss the policy", it is the customers responsiblity to make sure things are correct.
• I basically then goes on to say they won't pay up - that they are aware its not the reponse I wanted but this letter is thier final repsonse. It alos states it relates to a period outside time- limits for FOS and that the FOS won't deal with my complaint unless in exceptional circumstances.
• The last sentence says they won't enter into any further correspondence regarding this matter.

HELP how do I hit them back where it hurts !!!

PS most of my letters were from the VICE President woman too!!!

xxisabellexx

tease1972 wrote: »

I managed to claim back all my credit card charges from MBNA in Mar 09 so I decided when I was claiming for those that it would be worth trying for my PPI (or PPC as MBNA call it) charges as well.

• 6 Feb 09 -My letter to them requesting list of all insurance charges
• 11 Feb 09 - 1st letter from them saying we are investigating your complaint (?)
• 6 Mar 09- 2nd letter from them and list of charges
• 11 Mar 09 - My 1st step letter asking for refund as I thought policy mis-sold
• 18 Mar 09 - letter from them saying thank you for my letter they will respond in 28 days
• 9 Apr 09 - letter from them saying sorry for the delay we will repond by 11 May 09
• 17 Apr 09 - letter from them basically saying it was up to me to have made sure it was correct and that in 03, 04 and 07 changes had been made so again it "provided me further opportunity to contact them to discuss the policy", it is the customers responsiblity to make sure things are correct.
• I basically then goes on to say they won't pay up - that they are aware its not the reponse I wanted but this letter is thier final repsonse. It alos states it relates to a period outside time- limits for FOS and that the FOS won't deal with my complaint unless in exceptional circumstances.
• The last sentence says they won't enter into any further correspondence regarding this matter.

HELP how do I hit them back where it hurts !!!

PS most of my letters were from the VICE President woman too!!!

You'll be better off asking on the PPI discussion thread where there are lots of clever people who know what they're talking about! This board is just about credit card charges.
I'm pretty sure that if the account is still open or has been open in the last six years then you should be able to go to the Ombudsman. I was under the impression that it was only if all the PPI payments were made longer than six years ago then you couldn't claim? Not sure TBH, try the link above

katedog

TESCO (RBoS)
Claimed £741.72
They paid £741.72

First letter sent 17th March
First request for refund sent 27th March, got a reply !st April (All Fools Day, but who's the fool) charges fair blah blah blah gesture of good will £95.04, sent one back refusing offer, they replied 3rd April with £658.80 including 8% interest on total amount. Told them interest is calculated from day of charge and not just 8% of total charges 8th April they replied offering full amount, which is now applied to account.

Can't remmember exact amount but i did my bank charges a couple of years ago with help from MSE and got £2500 back

Thanks MSE:money:

katedog

RBoS
Claimd £135.01
They paid £125.90

Sent first letter 17 March
Second letter 27 March
2nd April they offer £43.20 difference between £20 and £12 OFT guidelines blah blah blah
I refuse
14 April offer of £108 including 8% interest
Explain again that interest is from date of charge not on total of charges.
20 April they offer £125.90
I accept

I love doing this.

Thanks MSE:money:

Just for info Barclay card and capitol one are dragging their feet still no list of charges from them and they are now outside there 40 days (they seem to think its 40 working and not 40 callendar. i'll let you know how i get on.

sallysqueak

Barclaycard gave me £120 back today !

bored_at_home

HBOS requested £416 plus interest
recieved £416 plus interest (goodwill of course)

after first letter got offered 68 quid which i rejected by telephone, asked for complaint to be escalated and got full amount two weeks later.:j

Nats12

MBNA- Downloaded and sent first letter 1st April 2009 asking for £433.70 (interest included) back.

Received letter stating they would give me £13 back and they credited my account.

Downloaded and sent second letter 14th April 2009.

Received £420.70 in my account 27th April 2009!

Full refund!

Only got a balance of £262 now so I'll pay it all off next month!:T

Thanks so much!!!!!!!! xxxxxxxxxxxx

sd63

Provider: Barclaycard
Amount Reclaimed: £152
Amount they paid: £152
The story:

I sent off the template letter to all three of my Credit card complanies on 27/04/09.
I received a letter from Barclaycard this morning with all the usual stuff about "fair charges" "regulated by the financial ombudsman" etc etc

What surprised me most was the offer of the full amount, credited back into my account on the next statement date. I would have preferred a cheque, but it saves me paying them that month!