Credit Card Reclaiming Discussion

St0lli

JoAnn wrote: »

I have just had my first response from the Halifax stating they will repay £217 from my £1008 claim (just the difference between the £12 fee and not any interest). My credit card is now just a debt and they say they will pay this amount straight off the debt. Should I settle at this point or send the next letter requesting it be looked at again. Just wondering if others have experience they could help with!

Hiya, I sent my first letter to Halifax claiming all my charges back plus interest. The charges I received were only for the usual £12 but I still went ahead and claimed.

The first letter I received from them they told me their charges were fair blah blah blah and they wouldn't be repaying me anything. Anyway I sent off the second letter as I thought I didn't have anything to lose and yesterday I received a letter from them repaying ALL the charges PLUS interest so I was a very happy Stoli last night

I should also add that I'm on a DMP so the money will just be taken off what they owe but every bit helps and in this case it was nearly £300! :T

MBNA were the same and repaid me everything (approx £700) but only after the second letter.

So my advice is don't give up and send the second letter anyway.

Good luck! :beer:

nykied

dean5050 wrote: »

Some advice please....

I have received two letters back, one from Beneficial (on behalf of HFC Bank for my old marbles credit card), and the other from HSBC Bank (for my old HSBC Gold credit card).

They have both made me offers, however at the end of each letter, they write something along the lines of...

"The payment is being offered on the basis that you are agreeing that you will not make any further claims or take any legal action on this matter"

Does this mean that if I sign the agreement, then if they make any further unfair charges on me, I won't be able to claim them back in future? I'm not sure what to do, should I just sign this and accept their offer?

Any advice would be greatly appreciated.

Dean

It means that, if you sign to say that you accept the offer, you then can't go back and claim the rest. So if, for example, you originally claimed £1,000 and they offered you £200 and you accepted by signing the form, you then can't change your mind in a month and decide that you want the other £800.

If they are offers that you're happy with, then accept them, but on here a lot of people are sending the second letter, which is where the 'I accept your offer of £xxx without prejudice', which simply means that you want the full amount.

katedog

TESCO (RBoS)
Claimed £741.72
They paid £741.72

First letter sent 17th March
First request for refund sent 27th March, got a reply !st April (All Fools Day, but who's the fool) charges fair blah blah blah gesture of good will £95.04, sent one back refusing offer, they replied 3rd April with £658.80 including 8% interest on total amount. Told them interest is calculated from day of charge and not just 8% of total charges 8th April they replied offering full amount, which is now applied to account.

Can't remmember exact amount but i did my bank charges a couple of years ago with help from MSE and got £2500 back

Thanks MSE:money:

natweststaffmember

dean5050 wrote: »

Some advice please....

I have received two letters back, one from Beneficial (on behalf of HFC Bank for my old marbles credit card), and the other from HSBC Bank (for my old HSBC Gold credit card).

They have both made me offers, however at the end of each letter, they write something along the lines of...

"The payment is being offered on the basis that you are agreeing that you will not make any further claims or take any legal action on this matter"

Does this mean that if I sign the agreement, then if they make any further unfair charges on me, I won't be able to claim them back in future? I'm not sure what to do, should I just sign this and accept their offer?

Any advice would be greatly appreciated.

Dean

If you sign the letter of acceptance you waive the right to claim back any fees from the claims you have CURRENTLY put in. However, in the future if you are charged then you still have the legal right to go back to the point of the last charge you received on settlement. Personally I would reject the amount and state that you are owed, £xx.xx and that is what you will accept or they can argue the toss over it in court.

lisdc88

Can anyone please advise me. I have read the link to martin's site with regards to claiming back credit card charges. The question is would I still be able to claim these credit card charges if I am now on a payment plan. I have had my contract cut by half and since last year November I have been late in paying my credit cards and also only paid what I could afford. I did notice on the statements that they were putting on late charges as well as charges for going over my limit. On one credit card it went from my balance being £8,500 to £9,500 and extra £1500 of charges. Please could anyone let me know if I can still claim these charges even though now I am on a payment plan as I cannot pay the credit cards the full monthly amount they require. Any advise will be much appreciated. Thanks.

MILLYMOLLY

catherine_h wrote: »

Does anyone know how long it takes to get a response from Capital One re:charges??? It's been a couple of weeks since I sent the 1st template letter........is it me being impatient or is it time to follow it with a phone call?!?!?!?

We made a phonecall and received list of charges within a week. Maybe you should phone

St0lli

lisdc88 wrote: »

Can anyone please advise me. I have read the link to martin's site with regards to claiming back credit card charges. The question is would I still be able to claim these credit card charges if I am now on a payment plan. I have had my contract cut by half and since last year November I have been late in paying my credit cards and also only paid what I could afford. I did notice on the statements that they were putting on late charges as well as charges for going over my limit. On one credit card it went from my balance being £8,500 to £9,500 and extra £1500 of charges. Please could anyone let me know if I can still claim these charges even though now I am on a payment plan as I cannot pay the credit cards the full monthly amount they require. Any advise will be much appreciated. Thanks.

Yes you can, I'm on a DMP and I've reclaimed from both MBNA and Halifax so far. Have a look at my earlier post on here.

Good luck :j

fierychick

HSBC won't give me my 6 years statement so that I can reclaim I have written 7 times and rung and they have said they don't have this information. HELP

barloo69

cue wrote: »

a bit of advice sought please....

How far back can you claim?
When the claims first started to be reported on a few years back i spent a week going through my 15 or so accounts (going back 10 years) looking at every statement and cataloguing the charges I saw as being valid points for a claim. - i'm not sure i still have this info and don't want to go through the experience again as my wife has since 'filed' the old statements in the round corner filing cabinet that gets picked up by the council every fortnight :rolleyes:

If I did think ahead (need to check on my other PC) and save the info, brilliant. If not, is there an easier way to find out how many charges i can claim for, by maybe asking the bank to identify what and when i've been charged?

Will they be honest and admit such info?

This applies to both credit cards and current accounts by the way.

Any other info you need? Some of the accounts I still have, although many I don't - I don't have connection to a couple.

I've got many 'parachute' accounts already set-up in case any of the companies take their bat and ball home with me.

There's so much info on here I don't know where to start.. Help.

Similar circumstance to myself, and the information I was able to research and answer was that unfortunatley without those bank/credit card statements stating / proving what those charges were for the 10 year period, you are backed up against a brick wall Im afraid.

In a nutshell in England and Wales we are governed by laws which dictate that 6 years is the time limit. :mad:

If you dont have these statements either anymore then send the standard letter requesting details of ALL charges together with your £10. At least this will empower you to claim for the last 6 years (as opposed to the full 10) which the bank are obliged to do as a minimum period.

Hope this helps. Good luck:beer:

barloo69

fierychick wrote: »

HSBC won't give me my 6 years statement so that I can reclaim I have written 7 times and rung and they have said they don't have this information. HELP

Firstly, did you send those requests by recorded delivery. If not, fire off another but send recorded delivery. Give the necessary time for response (40 days I think) .

If after that, still no response then go next step and report to I.C as being non compliant. Happy days.