Credit Card Reclaiming Success Stories

justtohelpabit

MSE_Wendy wrote: »

Please report your CREDIT CARD RECLAIMING successes here, if possible in the format

Provider: Capital one
Amount Reclaimed: £440
Amount they paid: £320



I simply followed the templates step by step and as I had owed them a balance which I had been paying off when they closed my account I asked them to net the payment.

mad4wanderers

Barclaycard - Claimed £480.00

Paid - £480.00

Thank-you for giving me the confidence and the tools to do this. The process took 3 weeks and was so easy. I honestly didn't think that I would get a pay out, so if I can do it so can anyone.

Thanks again xxx

olly1978

Halifax 1 Credit card, thanks all to help - stick at it, its worth it!!

Provider: Halifax
Amount Reclaimed: £544
Amount they paid: £547

details below
sent 1st letter of with £10 cheque 03/06/09 requesting list of charges
sent recorded delivery
got letter friday 3rd july
sent letter asking for full £544 on 06/07/09 - recorded delivery
17/07 - letter sent back, saying no you to partial £65 offer - confirmedd they got my letter sent back
Phoned twice,
Sent letter back again, and a letter to FOS complaining. 05/08/2009
Funds credited to my account - £473 + £74 Interest

flammable999

Provider: Capital One
Amount Reclaimed: 1353
Amount they paid: 1423

Details:

May -SAR Request a few months ago
Early June-1st letter askin for full amount(not jus diff between 12 and 20) and interest
Offered settlement of £430 week later(diff between 12 and 20) - refused
Late June -2nd Letter asking for full amount
Again offered settlement of £430
20th July -Put in a claim through small claims court for £1353+ £70 court fees
24th July - They acknowledged claim and said they were going to defend

TODAY - Letter offfering full amount plus court fees of £1423 to be paid via cheque within 21 days (although they dont accept liabilty lol) :beer:

putting in a small claims is so easy and i would encourage those who have doubts to do it as it is much faster than going to the FOS although I know different things work for different people. Thanks a lot Martin!

soraya1

HSBC
I asked them to reclaim all charges as I didnt have statements
They paid £260.23

did have any statements and so used maetins templet letter to reclaim my charges and quoted that i wanted all charges refunded.all the charges were made before April 2006. i got a letter 2 weeks letter stating they were going to refund £260.23 for a goodwill gesture.

i would recomend anyone who has had charges from before april 2006 to do the same..:beer:

charambboo

Provider MBNA (Virgin)
Amount Claimed £1144.10
Amount Paid £1144.10

Wahey !!!!!!!!!!!!! :beer::j:T:dance:
3 letters, 1st one sent 2/5/09 to get statements.
Sent a cheque offering me £354.
Cashed the cheque and sent them letter saying it wasn't enough.
Got another cheque today for £790.10.

Still waiting on Egg (X2), Lloyds (X2) and Halifax.

(PS. Even if you still have a debt that has been passed onto a debt collecting agency, solicitors or whatever, and they say any payments must be made towards the debt but you would rather have a cheque, they can pay a cheque direct to you instead, this is what was done here.)

donz81

donz81 wrote: »

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

Well this is it. Another letter today refusing to pay any more than £36. This is their final offer. I am off to the FOS....

flammable999

flammable999 wrote: »

Provider: Capital One
Amount Reclaimed: 1353
Amount they paid: 1423

Details:

May -SAR Request a few months ago
Early June-1st letter askin for full amount(not jus diff between 12 and 20) and interest
Offered settlement of £430 week later(diff between 12 and 20) - refused
Late June -2nd Letter asking for full amount
Again offered settlement of £430
20th July -Put in a claim through small claims court for £1353+ £70 court fees
24th July - They acknowledged claim and said they were going to defend

TODAY - Letter offfering full amount plus court fees of £1423 to be paid via cheque within 21 days (although they dont accept liabilty lol) :beer:

putting in a small claims is so easy and i would encourage those who have doubts to do it as it is much faster than going to the FOS although I know different things work for different people. Thanks a lot Martin!

well the cheque arrived today, thats six days! not bad!

lovely1

Bank: Monument Credit Card
Amount Reclaimed: £476.00 plus £162.36 interest = £638.36
Amount offered: £728.00 plus £202.42 Interest
The story:


I have had a monument card (previously provident since 2001). The amount currently owed is £537.27

Found out about this site in May 2009 and set to work calculating all the charges that had been applied to my account in the last six years. As I had most of my statements already I didn’t bother writing to request further copies.

Request for refund sent 22 May 2009 - Requested £476.00 in charges plus £162.36 interest.

No response received so second letter sent on 25 June 2009 (Threaten court action letter – template)

Response received 19 July 2009 – They had calculated the amount of charges as £728.00 and offered £364.00 in settlement. I declined their offer by telephone and requested a review.

Response received 10/8/09 offering full amount £728.00 plus £204.42 interest.

A letter accepting their offer will be in the post today and with any luck the money will follow shortly thereafter!!!

I am soo relived…I can now clear my account and will still have money left to put towards my many other debts….I am self employed and this year has been dreadful for my finances but this site has been invaluable for me, the templates are brilliant and the forums really keep you going ….Thanks soo much to everyone on this site for helping me to get my money back.:A

Barclaycard next!!!

Keep going, you will get somewhere! xoxo

:beer:

mdjwccc

Thanks to share this information