Credit Card Reclaiming Discussion

dunkyt

thanks as cap one are trying to put it back on card:mad:

Hotspur61

Vespula wrote: »

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

Morgan Stanley were first taken over by Goldfish and now Barclaycard.

leolee

hi all,

is it still worth applying for reclaims considering the state of banks nowadays?

THoy_2

I have recently been charged £3 ,plus interest, for a transfer of money into a bookmakers a/c. Nationwide tell me this is counted as a "cash advance" and it is all covered inb the T&Cs. I find that Barclaycard do not charge these transactions as cash advances, which is a card I have previously used. Is there anyway I can claim this, admittedly small, amount back. It really bugs me !
Others at least take this as a warning when dealing with Nationwide Credit cards

hels_xix

Struggling to find a relevant open thread - this is a bit of a ramble... hope it isn't too much in the wrong place.

I have arrears on some of my settled debts on my credit rating.

There is a bad 6-month-er from the finance deal I took out at 16 - stupid stupid Helen (wouldn't have been so bad paying off my scooter for 3 years had I not written it off after 2 months with only 3rd party cover and having to find cash for other methods of transport to get to college whilst earning £3.80 an hour at the weekend!!), that is wiped off Nov 09 (6 yrs from settlement) so lets ignore that.

Then I was foolish with my Natwest student credit card so there are a a couple of one and two month arrears, little yellow and orange dots on there. Not sure how concerned I should be about these as naturally the 6-month one is the defining problem. CCard account was settled about 2006 so it is stuck on there for some time.

I HAVEN'T claimed my charges from the credit card, the statements I haven't lost covers about £150 (might be a bit more if I request copies but not a lot so not really worth the hassle I reckon). It is not a fortune. I note that people demand that defaults are wiped as part of the reclaim charges settlement. Not sure if my arrears come under that bracket? I'd happily not take a penny if I had no more orange blobs as it will be worth much more come mortgage application time.

So basically, if I go through the process with the right letters etc etc, has anyone knocked arrears marks off their rating?

Thanks in advance )

Helen

pmeeds

For Thoy.
I am currently trying to reclaim a lot of these £3.00 "cash transaction charges" for payments to an online betting company using a Capital One card.
I too have noticed that only some cards do this. This seems therefore that it is definitely worth taking a strong line, including Small Claims Court action if necessary. It may take some time but I will put a note on this thread as things progress.
Pmeeds

Orford

pmeeds wrote: »

For Thoy.
I am currently trying to reclaim a lot of these £3.00 "cash transaction charges" for payments to an online betting company using a Capital One card.
I too have noticed that only some cards do this. This seems therefore that it is definitely worth taking a strong line, including Small Claims Court action if necessary. It may take some time but I will put a note on this thread as things progress.
Pmeeds

You won't succeed. Virtually all credit cards treat any sort of gambling payments as a cash transaction. Here is Capital One's definition from their T&C's:

'cash withdrawal' means a withdrawal of cash made by you or any cardholder and also means any transaction made where you or any cardholder: obtain foreign currency, travellers' cheques and/or money orders; make an electronic money transfer (excluding balance transfers); make a payment to open a deposit account; carry out a transaction where payment is made to an establishment that is identifiable as carrying on gambling and the purpose of the transaction is payment for gambling activity;

CRAZY:HORSE_2

I was just wondering if you can claim back charges on a business loan/ secured loan ?

Thanks

kingmadras

Hi all,

Can anyone definitively answer whether or not you can insist on any successful claims be repaid to you in the form of a cheque or bacs repayment?

Thanks in advance.

mrs-d_3

Hi can someone give me the address for Lloyds Credit card pls. Sending my first letter asking for list of charges. Thanks.