Credit Card Reclaiming Success Stories

donz81

Hi there

I recently had success with Barclaycard and claimed just under £400 in charges from them.

Last week i received a letter from them saying that they were reducing my credit limit by £400 as they had done a new credit search on me and i did not come up to the required standard.

Now today i have came in to a letter confirming that they are declining the renewal of my card. I have about £2000 still on the card to pay.

Has anyone else came across this?

Thanks

janey17

LTSB
Letter sent 5th August 2009
Asked to reclaim : £936 included all £12-£20
Amount reclaimed: £936

I am thrilled at this response taking only 2 letters! Dont know if this is because this in in dispute due to not complying with cca or not either way its a great start- ppi next!!

ccmug

Provider MBNA
Amount Reclaimed £1369.49
Amount received £1369.49

Received an offer of £127.50 for my first letter, sent second letter threatening court action and waited nearly a month for the reply but they coughed up the lot.

AND THIS IS THE IMPORTANT BIT

I claimed
£759.50 Charges
£382.56 The interest I estimated they had charged me on those charges
£157.14 The 8% interest on the charges
£61.29 The 8% interest on the interest they had charged me

THEY PAID ALL OF IT!!!!:beer:

:j:T:rotfl::money:

mojo-jojo_2

Hi, I sent the first letter to MBNA asking for £220.71, received a reply yesterday not only offering me only £34, but enclosing a cheque for that amount. I want to claim the whole amount, so what do I do now?

natweststaffmember

mojo-jojo wrote: »

Hi, I sent the first letter to MBNA asking for £220.71, received a reply yesterday not only offering me only £34, but enclosing a cheque for that amount. I want to claim the whole amount, so what do I do now?

Send letter 2

barloo69

donz81 wrote: »

Hi there

I recently had success with Barclaycard and claimed just under £400 in charges from them.

Last week i received a letter from them saying that they were reducing my credit limit by £400 as they had done a new credit search on me and i did not come up to the required standard.

Now today i have came in to a letter confirming that they are declining the renewal of my card. I have about £2000 still on the card to pay.

Has anyone else came across this?

Thanks

Ok the £400 reduction I can understand but the declining of renewal seems unfair to me. Does their letter make any mention as to why they are declining. Are you in arrears at all ? I would strongly suggest approaching the FOS and informing them of this as it seems unfair and unjust to now effectively demand the o/s £2k.

Post up on the other forum when you have further. as Im sure others would be interested / have comments to make on this.

jjgg

Provider Mint
Amount Reclaimed Not specified - just indicated from the statements I had it was in excess of £400
Amount Received £660

The whole process took 4 weeks. June 09 I wrote to Mint explaining I'd reviewed the statements I had and charges exceeded £400.

Mint replied 21 days later saying I had £660 worth of charges and as a gesture of goodwill the would pay me £60. I rang up using the direct dial number on the letter and spoke to the gentleman stating that I wanted the full amount - he agreed and re-issued a letter (which took 9 days to arrive!) offering me the £660 - I accepted and the cheque arrived within 4 days. So pleased thanks to everyone on here.

Now waiting for reply from Barclaycard (£600) and Halifax Card Services (£300) who I have written to this week. Fingers crossed and good luck everyone x

keeleyfox

Hi,

I'm trying claim back charges from Barclaycard too. But they want to credit my credit card which is already over its limit, which is no good to me! Did credit a bak account or your card?


Thanks!

natweststaffmember

keeleyfox wrote: »

Hi,

I'm trying claim back charges from Barclaycard too. But they want to credit my credit card which is already over its limit, which is no good to me! Did credit a bak account or your card?


Thanks!

Did you claim interest? If not then accept it(it must be including the £12 ones as well and not the difference) it will reduce your overall debt which is the positive thing.

babycakes_3

Wickken wrote: »

Bank: Capital One
Amount Reclaimed: £488.00 plus £86.54
Amount offered: £56.00 (eventually £488.00 plus £86.54)
The story:
The standard Capital One story:
Wrote letter asking for list of charges
Wrote letter asking for £488.00 + £86.54
Received letter stating charges fair blah blah blah offered 'goodwill gesture' of £56.00 (difference between the £20 and £12 charges - didn't even offer interest!! :mad:)
Wrote another letter saying thank but no thanks - full amount if you please.
Received final offer of £56.00
Went to FOS.
Received letter this morning from FOS stating that Capital One said that - 'as an alternative to our formal investigation' will pay £488.00 + £86.54 interest :j :j

Another big big thank you to everyone on this site who made this possible :T:T:T

Hi Wickken,

Congratulations!! Good to hear - just wondered how long it took before you got any joy with FOS? Went through the exact same process re Capital One and wrote to FOS on 5/8/09, they only processed my claim last week and said it was currently with an adjudicator (sp?) just wasn't sure how long I'd need to wait? Many thanks.