Credit Card Reclaiming Success Stories

VfM4meplse

My payment due date for April's cc bill was 5th May 2009, am normally very careful about paying in full and on time but with a very intensive week at work (emergency planning in response to pandemic swine flu) forgot about the bill until this morning! The e-transfer indicated the money should arrove today, but came with a standard warning that the recipient may take 4 working days to process the transaction. The BH doesn't help!

After I spoke to them, Barlaycard has offered to waive any interest that may accrue as a result. Stars!!

kozi_jnr

just won my fight with Capital One as well.
Original amount requested: £700.62
accepted offer of £674.08 after financial ombudsman intervention.

dh1058

i contacted my bank over hardship and out of the£5,000 they took off me they have given me £247 but my case stays on hold how hard up can one be.is it because when a fair charge is decided i will only get part of the money back are they playing for time instead of giving it all back i just hope we get compensation for having to struggle through these hardship times GIVE US OUR MONEY BANKS

Ealgith

Barclaycard
Claimed: 920 (720 full charges and 200 interest)
Paid: 920
Requested statements, did the maths and then sent the template letter asking for full amount plus interest. Six days later got a letter saying they believed charges were fair etc but were giving back the full amount. Rang customer services and got refund paid into my regular account. About 6 weeks in total. So easy! In the meantime Egg haven't even sent me my statements yet.

xxisabellexx

Provider: HSBC Mastercard
Amount Reclaimed: £206.88
Amount they paid: £263.25!
The story:
Requested statements for an old account for my OH on 14th March 09 and recieved them about 3 weeks later. Requested £160 of charges with £46.88 of interest on 18th April. Received letter on 30th April offering full amount plus interest. But their charges are fair and reasonable and this was only a goodwill payment because he's such a valued customer

result

Thank you thank you thank you. I sent the letter using the format offered on this site to Barclaycard requesting £292 for late payments and over limit charges of £20 and £12 and I received my ask plus the interest of about 30 quid! I'm so happy!! I had little expectation it would work but they paid up, no question. Fantastic! I would have known nothing about this was it not for this site!

sparky0107

Reclaim Amount:- £1056.00

Amount Repaid :- £853.32


Used the template letters to start reclaim, received an offer of £260, refused this offer and asked Capital One to look into the charges again, got the same letter back with the offer of £260. Filed a claim through FOS, in February. Today received a letter from FOS stating Capital One were offering £702 plus £151.32. We are accepting this as some of the original charges were over the 6 year time limit. Very pleased with the result, once again thanks for all the help that you good people offer.

This money is going towards a trip to New York :T

Nats12

Full refund plus interest given after i downloaded the second letter! £533.45 paid back into my account!

Now got both credit card paid back in full!

Thanks so much!!!!

Sent off bank charges hardship claims on 3 accounts and have made my mum do her PPI reclaims too!!!! I'll keep u updated!

:T

supernoodles

Provider: Natwest
Amount Reclaimed: £296
Amount they paid: £306
The story:

I've put off reclaiming for so long, because reclaiming bank charges has been such a stress, and being in debt up till recently has made me feel helpless- but I've now started sorting everything and it seems I'm clearing a different balance every month now. So I wrote off to all my card providers, and less than two weeks later Natwest have offered me a refund. And given this is one of my smallest debts it's pretty much paid it off- just £40 to pay come payday and the debt is cleared. Just MBNA, Capital One and two Egg Cards to go (and given one of my Egg cards is paid off, my Capital One Card has a very low balance, and my MBNA card will be paid off by next month this reclaiming lark will have me debt free so much quicker than I thought. I don't know if it's going to be this easy for the rest (I mean Natwest have settled before I've even received a list of charges from Egg), but to anyone who hasn't got round to doing this get your claims in now- no stress at all.

carlos1973

Provider: Vanquis
Amount Reclaimed: £114.14
Amount they paid:138.08
The story:
1st letter sent 05/04/09 asking for £108.00 + £6.14 interest.
Acknowledgement of claim recieved 11/04/09 (dated 08/04/09).
New statement and £24 of charges on 14/04/09.
2nd letter sent 03/05/09 asking for £114.14 + £24 new charges.
Offer of £114.08 recieved 07/05/09.
Offer of £138.08 recieved 08/05/09 (apparently I'd rejected this 1st offer?)
Acceptance letter sent 08/05/09.
All told 2 letters and 4.5 weeks to get 97% refund.:T:T:T