Credit Card Reclaiming Success Stories

longhauladdict

Hiya,
Natwest
Claimed: £112.
Paid out £112!!:j
The story: Sent first letter requesting charges 10/08/09, recieved end Aug, sent 1st letter requesting all charges paid back 1/09/09, recieved a letter offering £8.00 (the difference) on 03/09/09. 2nd letter requesting full amount sent on 22/09/09, recieved a very nice letter today apologising that hadn't been able to resolve and offering full amount!!!!

Thanks guys. especially natweststaffmember, didn't know that i could claim the £12 back, and probably would have just not bothered if you hadn't told me that i could. Not a huge amount, but will clear 1 debt (of my mums- it's her card!) so always worth it if it reduces the creditors!!!

Now off to chase the remaining 15(!!!!) creditors for my mum - hope they are all as easy. Big thanks again:T:T

grantboy1uk

Provider: Capitalone
Amount Reclaimed: ££380
Amount they paid: £389
The story
I sent the letters from this site, after the 1st letter they declined. Than I sent the threat letter and they offered me £59 as they were saying all changes I had were fair. The £59 was made up from charges which were over the £12 limit they have now. I took this to the fininical Ombudsman and after 8 weeks appox my full amount requested was offered back by Capitalone.

Provider: Natwest
Amount Reclaimed: £479
Amount they paid: £479
The story
Pretty much the same story, they rejected my request but asked me to contact them if I was not happy with their response as they didn't feel the FO was necessary. I replied saying I am taking this further and they sent full refund.

Also have reclaimed PPI with Benefical finiance.

To do:
Cards
Santander - Topman: £190
American Express: £200
Barclays: appox £200

Banks
Lloydstsb (hardship case - not alot happening!)

Lloydstb PPI insurance
:j

moley74

Are you aware that Abbey (Santander) current policy on credit card charges for past 6 yrs - is to refund them ALL (over limit and late payment fees) plus 8% non compounded interest.

Also applies to abbey cards sold under MBNA and Cahoot

stellaboy

moley74 wrote: »

Are you aware that Abbey (Santander) current policy on credit card charges for past 6 yrs - is to refund them ALL (over limit and late payment fees) plus 8% non compounded interest.

Also applies to abbey cards sold under MBNA and Cahoot

I hope you are right ive got a claim in for £1300 thats incuding the interest, had result yesterday with abbey for my ppi £1500 :T

corntav

i sent a letter of to egg on the 17 september requesting that they refund my charges, giving them 14 days to do so. I have not heard anything back from them just wondering what to do next, anyone got any advice. thanks

ineedsomeinfo

Provider: RBS
Amount Reclaimed: 216.22
Amount they paid: 207.36
The story: Orignally sent date request letter on 5th august. Recieved charges list on 8th September. Sent 2nd letter on 9 th September. Recieved normal charges are fair letter. Then sent final letter threatening going to fos on 22nd September. Recived offer today which i excepted. Thanks Martin for all your help. :money::beer::j

mojo-jojo_2

While looking for other paperwork, I found an old Studio Cards statement from 2004 with a £12.94 administration charge on it for late payment. To be honest I couldn't remember ever having been charged anything and I had paid my account off in late 2004 and so had forgotten I had even had studio account. I set about finding the other statements and found a total of 4 x £12.95 charges on there and thought I might as well give it a go......

Provider -Studio Cards
amount claimed - £51.80 plus £24.32 interest
amount they paid - £76.12

Sent the letter detailing charges on 24th September, received letter with full offer 1st October!!!! 7 days in total and 1 first class recorded letter to get the full amount back!!...wish they were all that easy....now looking for other long forgotten accounts!!

mjjj

Honeytrap

Provider Barclaycard
Amount claimed £1468 including interest at 8%
Amount paid £1412.02



All it took was one letter asking for every £12 and £20 charge.so all in all cost of a stamp and waiting the two weeks:beer:.Mind you they credited the account which only has a limit of £260 and they refused to send out a cheque for the diff,they told my husband to just lift it out and they obviously wouldnt charge for lifting it out, but the card only has a £100 cash withdrawal limit on it and they promised to make the cash limit higher but no.So we had to use the card to buy shopping etc and use our cash from payday to clear other bills that you cant use a card for.we did complain but sure we got what we set out for in the end:D

curly_B

Provider: Barclaycard
Amount Reclaimed:£252.00 and £82.57 interest
Amount they paid: Full amount
The story:I sent original letter ( Martins template letter) which they received on 29th August. They sent full statements on 23rd September. I replied asking for every charge and 8% interest. Letter arrived today giving it as a gesture of goodwill
This was my OH's and I sent mine on the same day and am still waiting for my SOA

Thanks so much for all the posts on here, without them and everyones own stories I wouldnt have known how to do this !

stellaboy

MBNA asked for £189.32 had a cheque yesterday for £177.00 total claimed back so far £1133 big thanks to Martin and all those on here that help out