Credit Card Reclaiming Discussion

pwatki2

i have 4 indervidual cards, with charges on all of them, when i claim on each card will that paticular card company stop me using the card anymore and want the balance paid up immediatly, or will they and if i do get any charges refunded do they pay me or take it of the money i owe on the card

imc_2

Hi can anyone advice, i got in to dept on a number of cards, howerver one was very nasty, even after writing to them if they would suspend the card interest and only pay min payment for awhile, they ignored, charged me interest, plus 35.00 every month to tell me i was behind this went on for about 14 months until they sold the debt to an agency, and i now paythem 10.00 monthly, and i owe about 4000.00. however this was just over six years ago, i now presume that i have missed the boat.

This also in not so nasty away happended with 4 other card and 1 loan supplier... all again now over six years ago.

I have paid off 3 depts, and now owe about 9000.00 to three people and i am paying these agents 31.00 between them, i can now afford more, but think sod them.. it will possible 10 years that i will pay them, but there is no interest.

sorry this was long, hope some oen can give some advice.

debi15

I made a claim from the ulster bank in N.I. they repaid me the difference between the higher amount and £12. They refused to pay any more so i started court action. They have until the end of today to respond to the courts and as of now they still havent done so. Can anyone tell me what the next step is - does the court make them pay as they havent responded - i know bank claims are on hold but this is a credit card.

Any help would be appreciated

thanks

cot1198

I've just won against Cap1 for credit card charges through the FOS, does anyone know how long it takes them to pay up?

CCQueen_2

Hello to all you moneysavers I'm after some advice please.
1) I had a credit card with capital one for about 5 years not much on it but I got charges a couple of times, but I paid off the card and closedthe accountback in July this year can I still claim for this?

2) When I first took out the card I had payment protection but when I was made redundant in 2006 they said I coulodn't claim on it, so I cancelled it because it was a couple of pounds per month, but when I spoke to cap one about 2 months later to explain my situation they said if I wasn't working I should have used the payment protection as that is what it was there for. When I explained I had cancelled it because I was told it wasn't covered they basically said redundancy was covered, I shouldn't have cancelled it and tough luck! Can I claim any of the payment protection back?
Thanx for reading (Iknow I go on a bit) xx:D

cherubgivesuwings

Hi All

I am brand new to using forums, although i use martins site regulary. I have a claim in for my bank charges which is obvioucly on hold but i decided to go after getting my credit card charges back from when i was in debt from monument which is now barclaycard, i sent them all the relevant template letters with all the information filled in and heard nothing i then re sent them around a month later and sent recorded delivery and still have heard absoultely nothing, not even telling me to go away. What should i do next do i have any rights. My claim is for 696.00pounds. Hope someone can help me, thanks ever so x

Davesaver

Hi,
I can see alot of people have been trying to get the charges back from the credit card providers. I was in debt with 3 providers and was looking for a way out (i got feed up with all the calls some days 7 aday!!!!) my father inlaw gave me the details of a company which will help you write of the outsatanding balance of your credit cards. They will look in to your case for a one of fee and take the provider to court!!! it has been a god send to my family we have now been advised to stop making repayments so we will have money for xmas now thank god!!!

gally09

cherubgivesuwings wrote: »

Hi All

I am brand new to using forums, although i use martins site regulary. I have a claim in for my bank charges which is obvioucly on hold but i decided to go after getting my credit card charges back from when i was in debt from monument which is now barclaycard, i sent them all the relevant template letters with all the information filled in and heard nothing i then re sent them around a month later and sent recorded delivery and still have heard absoultely nothing, not even telling me to go away. What should i do next do i have any rights. My claim is for 696.00pounds. Hope someone can help me, thanks ever so x

I had the same problem with Halifax. Call their cusromer relations department, get their fax number and ask them to call you to confirm receipt! Worked for me, full refund within two weeks!

ElastiMum

Hi

My OH has recently reclaimed CC charges from First Trust Bank (NI Bank) totalling £367. They refused his claim but offered a whole £15 as a goodwill gesture. As most of the charges he identified are not over the £12 maximum - is there any point in persuing this further?

thanks

Shaznel

Hi,

I have been reading all the threads and feel little anxious but also quite empowered! I have decided to start claiming back my credit card charges. Have sent off for statements last Friday from Egg and lloyds TSB - have noted that the cheque to Egg so will keep you posted on my progress. I am a bit of a cynic but live in hope!