Credit Card Reclaiming Discussion

clanger69

leanne7lee wrote: »

Provider: Monument
Amount reclaimed: £120 + 40 interest
Amount given: £120

Wrote to monument to ask for all charges, they gave them free of charge as a good will gesture.

Wrote to them asking for the difference between charges and £12 - they wrote back to ne 4 days later offering me the money but without interest - they said they would credit to the account but since they are included in our IVA I have had to write and ask for a cheque so that we can pay onto the insolvency practitioner.

Hi

I am currently on an IVA and wondered if you had claimed any other charges and been sucessful, and if so, did you have to pay ALL the money to your IVA provider?

Thanks

angelwillow

shamrock7 wrote: »

I wrote to GE Money about 2 weeks ago requesting refund on an open and a closed account. They wrote to me today offering £105 for the open one and £108 for the closed one. The total of my reclaim is £600 plus interest and they couldn't supply me with anymore than 3 years data.
I have therefore written back accepting as part payment and demanding a further payment especially as they cannot supply me with the relevant data and this £600 was only based on 3 years of statements. I will contact the FOS as with Capital One should they not at least match my original request. Still £213.00 so far is good! Will keep you posted!;)

Sorry to be the bringer of bad news but FO don't do store cards if that is what your GE ones are - if not just ignore me!

laura.l.h

Am i posting on the wrong thread? Have asked twice now for advice (16.11.07 + 25.11.07) but have been ignored? time has almost run out for me, only a few days left for me to reply to citi cards.

shamrock7

angelwillow wrote: »

Sorry to be the bringer of bad news but FO don't do store cards if that is what your GE ones are - if not just ignore me!

God they are too! They had an address at the bottom of the letter for a different financial Institution. Would this be the storecard equivalent of the FOS? If so is it worth writing too. I must admit I'm happy they refunded at all and realise at that time it was my fault. It was just a long shot and they responded very quickly:cool:

anniepotts

has anyone claimed from citi cards???

karyn_p

laura.l.h wrote: »

They end there letter stating that any defence will also exercise the defendents right to seek to have the claim transferred to its home court, i.e.Salford County Court. The legal presumption is that justice should be local to the defendant as the defendent is deemed innocent until proven guilty and ought not to be disadvantaged in defending itself.

Please can some one help, do i have a legal leg to stand on, should i try to settle for a smaller amount or just give up graciously?

I don't know if they're right in what they are saying- but it would seem they could be tryin to scare u. At the end of the day, the charges have been applied in all cases by going over our overdraft limits! One for going over and then another for having direct debits bounce.

If you read everyones case, the claims are always transferred to the local county court of the claimant. It doesn't say where you live, but say if you lived in Northampton, it would be transferred to Northampton rather than Salford.

Hope this helps hun and good luck!

shamrock7

How long did your claim with Topshop take and how many letters? I wrote to them for both Topshop and dorothy perkins and have been offered only 1/6th of my claimwhich I've accepted as part payment. Any advice appreciated thanks!

anniepotts

shamrock7 wrote: »

How long did your claim with Topshop take and how many letters? I wrote to them for both Topshop and dorothy perkins and have been offered only 1/6th of my claimwhich I've accepted as part payment. Any advice appreciated thanks!

hi i asked for my charges back from topshop with the first sample letter on the website and within couple of weeks they refunded me back. sometimes it just takes one letter which topshop took me but sometimes you have to write a couple. just keep writing to them and advice them you accept it as part payment but take them to court or write to FOS or the remaining

leanne7lee

clanger69 wrote: »

Hi

I am currently on an IVA and wondered if you had claimed any other charges and been sucessful, and if so, did you have to pay ALL the money to your IVA provider?

Thanks

Hi, look at your agreement. When our IVA was agreed a clause was put in to say that any monies due to us from the incuded companies would have to go into the IVA so we have adheared to this - hopefully we will end up reducing the term if we can claim enough back - after all, the charges are mainly the cause of us not being abl eto pay the bills!!!

ileola

in response to this asking - GE Capital which is covers Dorothy Perkins, Debenhams, BHS, Burtons, Wallis and Evans (and maybe more, not sure) are paying out. In my experience not straightaway - and they put up a good fight - but once you hit MCOL, they settle. So go ahead