Credit Card Reclaiming Discussion

jennyo

graybel wrote: »

Dear forum, we are first time users and are looking for advice/your views. We recently contacted a finance claims checker service who are asking for £295 up front. Apparently if you applied for a credit card before 2007 the T&C were based on a 1974 act? and this company are saying they can wipe the debt free - seems to good to be true, any thoughts. (If I am on the wrong thread I appologise!!!)

I am new to all this like yourself, but things that seem too good to be true usually are, I wouldn't hand any money over to them.

pmeeds

Does anyone know of a precedent for reclaiming excessive credit card interest?
For example credit card interest has typically been 3 or 4 times higher than the standard interest rate at any one time.

Vespula

Can anyone help with details of how to contact Morgan Stanley, they seem to have merged with another, I would like to try and claim charges

Have maybe not looked in the right place but cant see it mentioned anywhere on this website

Many Thanks

DC25

i was pleased with my Capital One settlement, you should defintly hang in there for it, it was a company called My claims expert that arranged it for me, give them a go

CougarRules

Hi guys i keep checking this thread every day looking for something from lloydstsb but i seem to see every bank but lol. I am just starting and have just sent my first letter under the financial hardship rules as i have lost my job and would love to see somebody tell me that they have had some luck with lloydstsb lately.

Does anybody know how they compare to the other banks in returning all the money they stole off me? It's over £4000 over the 6 years!

Thnx

choc_lover

sorry to bother you am new to all this am with barclaycard. I pay payment protection insurance which I feel i was mis sold so am wanting to try reclaim but I also have a few late payment fees over past five years. Do you know can i try reclaiming both or can you only do one? Thank you

sandi_p

hi everyone. im a first time user and very new to the internet! just wondered if anyone knows whether you can still claim credit card charges if you have an agreed debt management plan in place?

thanx

sparky0107

sandi_p wrote: »

hi everyone. im a first time user and very new to the internet! just wondered if anyone knows whether you can still claim credit card charges if you have an agreed debt management plan in place?

thanx

Hi as far as I know you can still claim, but the money reclaimed has to go towards your DMP, if I'm wrong I'm sure someone will tell you differently HTH

reaver

sandi_p wrote: »

hi everyone. im a first time user and very new to the internet! just wondered if anyone knows whether you can still claim credit card charges if you have an agreed debt management plan in place?

thanx

Yes you can, go for it!! Anything refunded will normally be credited to your account therefore reducing the debt with that particular creditor (Halifax have just refunded my credit card charges and it's halved the amount I owe to them). Let your DMP provider know when the balance reduces so they can adjust the pro rata payments to all your lenders.

reaver

choc_lover wrote: »

sorry to bother you am new to all this am with barclaycard. I pay payment protection insurance which I feel i was mis sold so am wanting to try reclaim but I also have a few late payment fees over past five years. Do you know can i try reclaiming both or can you only do one? Thank you

Reclaim both. It's up to you what you try to reclaim, not them. Good luck!:D