Credit Card Reclaiming Success Stories

a11waysindebt

Provider: Halifax
Amount Reclaimed:£253.67
Amount they paid:£253.67
The story:

First offer was £100.00,Second letter ignored but the 3rd with threatening court action was accepted.

I'd just like to thank every one for their help.:T :T

anniepotts

Provider: cap one
Amount Reclaimed:£533,91
Amount they paid:£533.91
The story:

Claimed charges back in february. Sent all the letters from website, wrote back and offered £192, accepted as partial payment but took them to court for the rest, they defended the calim but after two weeks received a letter stating they have refunded it all back.

Just keep hassling and writing to them as they soon give in.

Also have been refunded £352 from barclays~(paid full amount claimed), topshop £126 (full amount claimed), river island £136 (full amount claimed), citi financial cards have paid £312 out of £600 thinking of taking them to court to reclaim rest

Took alot of letter writing but soon got the result i wanted, just hang in there

:beer: :A :j :beer:

djbd1973

Provider: Capital One
Amount Reclaimed: £39.38
Amount they paid: £39.38

The story: Got the card at the end of September. I had set up a direct debit to pay the balance in full every month and had the letter to say direct debit was set up. Capital One did not collect first payment due, but my bank said that as far as it was concerned all was okay, so I paid by BACS, and cancelled the original direct debit in November. Capital One charged me for £12 for a late payment, and £27.38 interest.

When I spoke to them on the phone the next day (end of November), they tried to tell me that the charges were because I had cancelled the direct debit, but when I told them that the direct debit was cancelled on the 28/11 but the charges were applied in October, they put me on hold, and then agreed to repay both charges and set the direct debit up again.

I still have to pay Decembers balance manually though which is a pain.

I found that being polite but firm on the phone worked without having to write a letter but I still will follow this with a letter so that it is all on file.

yorkshirerose

:j
Provider: Barclaycard
Amount Reclaimed: £128.86
Amount Repaid: £125.28

Story: Sent SAR 3rd Nov 07

Received statements 7th Nov 07

Requested charges 8th Nov 07 of £116 + interest of £12.86 =£128.86

Recieved 'gesture of goodwill' offer of £32+interest At 8% 13th Nov

Sent letter back accepting the above as part payment on 22nd Nov but saying to resolve matter quickly without going through cout procedure would accept charge value of £116 without the added interest as final settlement.

Today 1st Dec 07 received letter saying have refunded to my account £32 charges +£2.56 interest calculated at 8% = £34.56 and as a 'gesture of goodwill' have credited my account with a further £84 representing the remaining charges + £6.72 = £125.28.

Near enough and without the hassle of going through MCOL.:money:

I'm well chuffed but bet they are not as obliging with the PPI claim.

Thank you Martin.:T :beer: :T :T :T

peever

Provider: Barclaycard
Amount reclaimed: £240

Sent one letter and got all my money back with 8% interest.

Just waiting for capital one now the cough up and marbles to sent me my statements.

ileola

Provider: MBNA
Amount Reclaimed: £1127.24
Amount they paid:£1127.24
The story: sent first letter, came back with offer of £454.24 waited till it was in my accoiunt then sent 2nd letter stating wasnt happy, came back and offered remaining amount - result !!


Provider: HSBC
Amount Reclaimed: £184
Amount they paid: £183.23
The story: sent first letter, came back with offer of £92 - just half, Called up the office to negotiate. Person I spoke to said to write in. So i did. Received letter today offering the other half



Provider: GE Capital (Store Cards)
Amount Reclaimed:£107.70
Amount they paid:£127.70 (incl Court Charges)
The story: have a few store cards so rounded them up all up and made one claim as they are all GE Capital. got first letter saying they'll refund just the difference in the old and new charges (about £25). So wrote back again and received one later saying they'd look into it and then another saying they were paying nothing. So submitted claim at MCOL. Letter today from their solicitors offering claim plus court costs


Provider: Lloyds TSB Mastercard
Amount Reclaimed: £389.57
Amount they paid: (offered £378.15)
Sent first letter - came back saying no refund. Sent 2nd letter, came back saying would look into it. Then they sent 2nd letter saying no refund. Put claim on MCOL and they come up with an offer (got letter this morning) - will call monday to see where they got the amount from

success all round - so keep pressing and dont be fazed by the rubbish letters these banks send out

The story:


Provider:
Amount Reclaimed:
Amount they paid:
The story:

EileenWonder

Provider: Barclaycard Visa Mastercard
Amount Reclaimed: £123.74 and £121.79
Amount they paid: £123.74 and £121.79
The story: Saw this site 4 weeks ago and have been typing away and sending letters like crazy.
Sent 1 letter from the templates last week each to Barclaycard Visa and Mastercard and got a refund today.
Amazing I asked for the difference between the £12 and got the difference plus 8% Interest.



Thankyou so much :money:


Success so far:

Alliance and Leceister Mortagage exit fee £287.50
Barclaycard Mastercard £121.79
Barclaycard Visa £123.7
Total to Date: £532.99

:T

eddie-pullin

Bank: Alliance and Leicester MBNA credit card
Amount Reclaimed: 46.95
Amount they paid:37.57
The story: I had paid the bills in full at most two days late.I had always paid bills in full. So I had late charges of 3 lots of £12 levied against the account and interest, this is from 2007. I used the info on here to write the letters, I used the letter templates and modified it a little to suit my needs. I received one std letter in response to my first one and then followed martins guide with the second letter to threaten small claims action, again modified from my knowledge of small claims process and I added that solicitors charge at a rate of £180 per hour plus VAT. Then I received the second letter with the note to say my CC account will be credited for the above amount. They would not offer a refund for the interest that they charged. A std letter again. Its not worth claiming the difference of £9.
Easy peasy, but they should not have had the money in the first place.

(just a few sentences, please include how far you went did you a. just write a letter, b. threaten to go to court or c. actually go to court)

craggsy4

Provider: Capital One
Amount Reclaimed: 2500
Amount they paid: 2300
The story: Approached Capital one direct and was successfull in getting an offer from them, however this was about 50% of the claim.

Following the advice on this site and using the library of letters I referred my claim to the financial Ombudsman, 16 weeks later an offer was received that was indeed much closer to my calculation so I have responded to Capital One directly to accept.

Thanks for the letters and advice hopefully I should receive this payout before xmas :T

kazmeister

Provider - LTSB
Amount claimed - £180 plus interest
Amount TO BE REPAID - £210.09

The story
had all statements so letter 1st letter sent. Negative reply so 2nd letter sent, Again negative reply so 3rd letter sent advising I would file online court claim. Havent even got around to that and got a letter today saying they will reply in full. All I have to do is send signed form back.

As I have only had LTSB pay me out so far they obviously think I'm a good customer to keep :eek: :rotfl: