Credit Card Reclaiming Success Stories

nyteghoul

Provider: Capital One
Amount Reclaimed: £720
Amount they paid: £720
The story:
Originally wrote letters to Cap One, but they came back with minimal offers of the difference between £20 and £12 charges, and refused to pay what I had asked for, so took it to the FOS, approx 6 weeks with the FOS and Capital One decided to pay all of it back, the cheque came in the post much quicker than I thought, so i'm well happy

nyteghoul

Provider: Halifax Credit Card
Amount Reclaimed: £930
Amount they paid: £930
The story:
I wrote the first letter requesting a refund and they came back offering the difference between £20 and £12 charges, decided to go ahead with the next stage letter, giving them 2 weeks, didn't hear anything from them, so decided to call them, told them to send me a final offer letter so I can then forward it to the FOS, but few weeks later they decided to refund all I had asked for....about 7 weeks all in all.....

ZIPPYGIRL_2

Provider: HALIFAX
Amount Reclaimed: 462.57 INC INTEREST
Amount they paid: 354.00
The story: This was my first attempt at reclaiming unfair charges and after sending the letter requesting the repayment at the end of Feb I was delighted to recieve this offer mid March. As I still have the account with them I accepted their first offer.

:TProvider: ALLIANCE AND LEICESTER
Amount Reclaimed: 1236.03 INC INTEREST
Amount they paid: 1247.49
The story: I sent my first letter to them at the end of Feb requesting the repayment of charges, and mid March recieved a letter back from them with a cheque for 445.00. I sent the second letter stating that I was accepting the cheque 'without prejudice' but that I was willing to go to court for the remaining amount. On the last day of April I recieved another cheque for the amount of 802.49.

Provider: HFC
Amount Reclaimed:666.81 INC INTEREST
Amount they paid: 666.81
The story: Again, I sent my first letter to them at the end of Feb requesting the repayment of fees, by mid March I had recieved a reply stating that they were willing to refund the charges, alas no cheque but the refund was applied to my account.

Provider: IKEA HOMECARD
Amount Reclaimed: 452.05
Amount they paid: 452.05
The story: After sending my first letter to them in Feb, I recieved a reply offering 50% of the refund. I sent the second letter and by the end of May they decided to pay the whole amount. My store card is now at 0.00 and I also recieved a cheque of 155.90 for the remaining amount.
:j

TOTAL AMOUNT 2720.35 THANKS TO THIS WEBSITE
AND THE PEOPLE WHO WORK SO HARD FOR US

akkers

I had very little balance on my Halifax cc but it built up to several hundered pounds over a 2-3 year period when I was not checking my statements. I noticed that the bulk of that was due to regular late payment charges of 25 GBP each time.

I wrote to them and protested and advised them that I was going to take legal action. They offered me 300GBP without admission of guilt. I accepted and closed the account. Good riddance!

lukedaz

PROVIDER: CAPITAL ONE
AMOUNT CLAIMED: £743.06

Just thought id update on whats gone on with Cap 1. After filing a claim with MCOL ON THE 23/5/09 Cap 1 said they were going to defend the claim anyway this morning I recieved a letter stating that they think the charges are fair blah blah but as they do not wish to WASTE the courts time they will refund all my charges which include interest and court costs this will be issued via a cheque which I should recieve in the next 14 days but will I notify the court to say theyve paid i will do this only when the cheque is recieved and cleared in my account. It just goes to show that Cap 1 are relying on people not taking it any further when they offer the most ridiculous amounts, so I would encourage anyone who is waivering on reclaiming to go a head. thanks to all the advice on this site i have managed to reclaim the following amounts:

HALIFAX CC £897 (paid off some of card)
BARCLAY CC x 2 £980 (paid of cards)
CAHOOT PPI £1269

mr_pies

Provider: MBNA
Amount Reclaimed: £312
Amount they paid: £312
The story:

Well, it took 4 weeks and 3 letters but yesterday recieved a cheque from mbna for £170, already had one for £142 off them 2 weeks ago, very pleased, martins guide is so easy to follow!!!!

nyteghoul

Provider: Barclaycard
Amount Reclaimed: £405
Amount they paid: £405
The story:

1 Letter to them, and 10 days later refunded the above amount back on the card....

roberto1982

Card: CAP 1
Amount claimed: £400 + interest
Amount offered: £186.

AArrgghh im really unsure what to do I NEED this money to get me out of a bit of strife but on the other hand I could get the whole lot back. cant afford to pay anything out ie MCOL have I got any other option other than take the money £186 is better than nowt!! :eek::eek:

lukedaz

:jHi all latest update with CAP 1 just recieved a cheque for the full amount that I requested + interest+court cost so if you can afford to go through MCOL then do it, we also have another claim with cap 1 but at the time we couldnt afford to claim with MCOL so we took it to the FOS it will take a lot longer but hopefully we will get the same outcome.

thanks to all on this site as i am sure without all the advice i probably wouldnt have stuck with it.:money::A

newyorklover

Provider: Bank of Scotland One Visa
Amount Reclaimed: £756.00 + £208.99 interest TOTAl = £964.99
Amount they paid: £980.00 + £282.52 interest TOTAL = £1262.52
The story:
Requested statements in April, received statements end of April. Sent first letter end of April requesting refund (inc interest) of £964.99. Received letter early May offering £416.00. Refused this offer and received a letter stating they would look into the case. Received a phonecall yesterday from Customer Relations asking what I wanted, to which I said a full refund. The operator asked me what website I had used to work out the interest (to which I told her this one). She said she would calculate the interest and send written confirmation. Received letter this morning offering me £1262.52 :T. Whole process took about 6/7 weeks.


Anyway, 1 down, 3 to go (Egg, Capital one and coop).