Credit Card Reclaiming Success Stories

barloo69

Provider: Sky Card (apparently now part of Barclaycard)
Amount Reclaimed: £195.98
Amount they paid: £195.72
The story: Sent of first letter back in March. They final responded me saying fees fair etc etc. Went to FOS in April who upheld my complaint and in July receive a cheque from Sky Card for the amount in question but less 26p for some reason. I sent a further letter requesting my 26p using one of their prepaid envelopes (I mean, why the hell not!!) and have received a response from them basically saying they the matter is closed and that they will NOT be entering into any further communication with me and any received will be filed accordingly. Ha ha, this letter has made my day and makes me smile every time I read it. I think I have really got under the skin on this person who has written me this response.

I love this site.

violetmva

Provider: Adams Store card (Creation Financial Services ltd)
Amount Reclaimed:£664
Amount they paid: £664

Sar letter one sent on 5th of May 2009 .Two weeks ago i received an offer of £170 and a cheque for £86 on Thursday (rest paid into account). Next day after receiving the offer i sent back a letter saying will claim the interest as well and today i got the final offer for the rest of the money. Awaiting the big cheque next week :j
Thank you for the support and good luck to everyone. Never thought it would be so easy to reclaim. :beer:

Nettie121

nyteghoul wrote: »

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

Hi - I was wondering how long it took for Cap One to send you your cheque.

charambboo

alfie26 wrote: »

recieved £375 from lloyds yesterday

total £575 to date......

i got £200 about 3 weeks ago

thanks to everyone who helped on this site

:beer::beer::beer:

How long did it take to get a list of charges from lloyds ? Complained to information commissioner but still waiting :mad:. Anyone know anything else I can do to get list of charges ???????

Goodtimesahead

A friend of mine settled various credit cards with a full & final settlement figure of about 35p in the £. He told me that he incurred lots of late payemt charges over the years and was wondering if he can still claim from these credit card companies even though the accounts were settled & satisfied last year?

Thanks

JillStephens7

charambboo wrote: »

How long did it take to get a list of charges from lloyds ? Complained to information commissioner but still waiting :mad:. Anyone know anything else I can do to get list of charges ???????

Hello, just wondering if you can apply to use your account with Lloyds online (if you don't already have this facility). Then you can find the charges yourself and not have to wait for them?

Good luck & best wishes

PS I spoke to the FOS service about our Lloyds charges this morning and they were super helpful.

roch6

hi i have filed a claim against cap one they have acknowledged the mcol im a bit scared that they will defend what should i do can i with draw the claim

natweststaffmember

roch6 wrote: »

hi i have filed a claim against cap one they have acknowledged the mcol im a bit scared that they will defend what should i do can i with draw the claim

DO not be scared, they will pay up.

donz81

I have today received a reply from Egg after my 1st letter sent on the 30th June claiming £692.00 + £131.38. (total - £823.38)

They have offered me a settlement of £36 in total. mmmm not so sure how they arrived at that one!!!

I have just written a 2nd letter to them today asking them for the full amount or im taking them to the FOS!!!!

Heres hoping they come back with a settlement closer to what im claiming.


Still waiting on:

LLoyds CC - Still not received statements
Capital one (myself and partner) - Still not received statements
Barclaycard - Have written off asking for £316 + £62.94
HBOS - the big one!! - Have written of asking for £1650 + £383.84

barloo69

Goodtimesahead wrote: »

A friend of mine settled various credit cards with a full & final settlement figure of about 35p in the £. He told me that he incurred lots of late payemt charges over the years and was wondering if he can still claim from these credit card companies even though the accounts were settled & satisfied last year?

Thanks

Yes definately. Makes no difference that the account is now settled. Tell your friend to start the reclaiming process. Although he will only be able to reclaim charges for the past 6 years.

Good show old bean.