Credit Card Reclaiming Discussion

hysteria87

I have a Natwest credit card on which I have been charged 10 over limit/late fees at a value of £12 each time. I wrote to Natwest asking for the charges to be refunded and they replied:

"This charge is in line with the Office of Fair Trading standards. As such these charges will not be refunded."

So are the charges lawful? Is there any point me pursuing the claim? If so what should I do next? They said that I could refer the complaint to the Financial Ombusdman if I want.

x.sophie.x

hysteria87 wrote: »

I have a Natwest credit card on which I have been charged 10 over limit/late fees at a value of £12 each time. I wrote to Natwest asking for the charges to be refunded and they replied:

"This charge is in line with the Office of Fair Trading standards. As such these charges will not be refunded."

So are the charges lawful? Is there any point me pursuing the claim? If so what should I do next? They said that I could refer the complaint to the Financial Ombusdman if I want.

I would refer to the FOS. It wont cost you any money, so you have nothing to loose and all to gain.

Can anyone help me with my previous query. I keep coming back to this board, but no one is answering me.

x.sophie.x

Debt_Fighter wrote: »

Can I still go ahead and claim these charges back even though I'm in a debt management plan?

I'm only taking a guess here, but if you are financially struggling then I would have thought that you would be more eligable to claim credit card fees. Under the bank reclaiming I would have thought you would be eligable for 'hardship cases'.

In any event get the ball rolling. If you dont ask you dont get. Good luck

Debt_Fighter

x.sophie.x wrote: »

I'm only taking a guess here, but if you are financially struggling then I would have thought that you would be more eligable to claim credit card fees. Under the bank reclaiming I would have thought you would be eligable for 'hardship cases'.

In any event get the ball rolling. If you dont ask you dont get. Good luck

I was thinking along the same lines, but we actually don't have an awful lot of charges. We went from meeting minimum payments almost straight into a DMP, so incurred three late payment fees (£12) for each of the credit cards. The total would be I guess £360. Quite a bit, but not a massive amount.

The problem i have is, so far only Nationwide have gone for, and got, a CCJ, and as a result we incurred the court costs. If I go ahead with reclaiming the charges, we could end up worse of if that request upsets the rest of our creditors enough to go for a CCJ. On top of that, all except Nationwide have reduced the interest - 7 to 0% and 2 to 6%.

Debt_Fighter

x.sophie.x wrote: »

Hi Guys,

Was hoping for a little help... I'm trying to get my boyfriend to sort out his credit card charges. So far I have managed to get him to write to Lloyds, Mint and Natwest for the list of charges leived over the past 6 years- using the template on this site.

Natwest and Mint (i.e RBS) have got back today with the list of charges- which is just a table stating the month/year and type of charge applied. They also returned the £10 cheques included within the statement request letter- saying they make no charge for the list of charges (how ironic!!)

In order to work out the interest owed using Martin's calculator I need to have the FULL date!!! Is this a stalling tactic? What should I do- should I request full statements? or should I date the charge applied to the account as being to the 1st of that month?.... (can't see them going for that though)

Also does anybody know how reliable these lists of charges are- I'm slightly skeptical that they may 'accidently' leave some of the charges off???

Thanks for your help :A

I thought you were supposed to request full printed statements (which is why it's £10), and then you would have the full date sand all the info you need - they can't remove charges from an official statement!

[Deleted User]

Hi Debt Fighter,
I've had the same response from Mint - just a table of charges and the month rather than a specific date. I calculated the interest using the 1st of the month - if they don't like this then it's upto them to give a more specific date! I'm claiming £168 (Inc interest) and got an offer today of £48. Have just written 3rd letter to them asking for full amount or I will take court action.

[Deleted User]

Ooops, sorry, my last response was to Sophie, not Debt Fighter - I'm a forum virgin!

Debt_Fighter

Deleted_User wrote: »

Ooops, sorry, my last response was to Sophie, not Debt Fighter - I'm a forum virgin!

I think I'll wait until my court hearing with Nationwide is done, then go for the rebate. It's only about £50, but after the way they have persued me recently, I'll go for every penny from those sharks!

hysteria87

x.sophie.x wrote: »

I would refer to the FOS. It wont cost you any money, so you have nothing to loose and all to gain.

But are the £12 charges actually illegal? If not why would they pay me back?

Yonmon_2

dragon2121 wrote: »

Hi,

I'm trying to claim charges back from barclaycard and have reached the point where they have offered the difference between £12 and the charges etc and wrote back accepting without prejudice the amount they had automatically put into my account and said would be proceeding to FOS and they wrote back saying they would investigate my complaint and respond by 21st Nov (3 weeks) and now they wrote saying they are still investigating and would responsby 19th Dec......can I just now proceed to the FOS as they are just delaying and delaying or do I have to wait for their 'final' response.

Thanks

Hi All,

I am at the same stage with MBNA, they have responded with a letter saying that they would respond to my 14 day refund letter by the 28/12/08, when in fact there 14 days are up on the 12/12/08.I have put in for a full refund of all charges from 2003 that amounts to £1945.00 including interest! Should i wait until this date they have sent me or respond