Credit Card Reclaiming Discussion

marcellep

kazmagoo wrote: »

Hello

I am new to posting on this website and was wandering if someone can help me? I sent a letter to GE money requesting a list of charges etc and received a letter back of Ge money saying the following

Thank you for your letter dated 15th April 2009. Please accept my apologies for the delay in responding.

You have requested a list of default charges levied to your Dorothy Perkins account over the last 6 years an I list below the charges applied.

09.01.06 Late Payment Fee £15.00
09.02.06 Late Payment Fee £15.00

Unfortunately, due to systems issues, I have been unsuccessful in retrieving statement data for the following months. However, this will be taken into consideration when making any calculations for a refund where applicable.

2003: August
2004: May, June, July, September, October, November, December
2005: January, February, March, May

Should you require any further assistance, please do not hesitate to contact me on 0870 125 2545

Yours sincerely

Greg Strother

Has anyone else had this kind of response? I dont know what to do now. I know for a fact I was being charged more or less every month for being late and reckon they probably charged me in excess of £500.00.

I am no expert on this situation as I have never heard of this before, so I would suggest you write to them recorded delivery and suggest the system is fixed and they send you the information you are entitled too.

Or

You could claim for a fee for each month and see what they say?

I have followed these threads for mths and never came across this at all

natweststaffmember

kazmagoo wrote: »

Hello

I am new to posting on this website and was wandering if someone can help me? I sent a letter to GE money requesting a list of charges etc and received a letter back of Ge money saying the following

Thank you for your letter dated 15th April 2009. Please accept my apologies for the delay in responding.

You have requested a list of default charges levied to your Dorothy Perkins account over the last 6 years an I list below the charges applied.

09.01.06 Late Payment Fee £15.00
09.02.06 Late Payment Fee £15.00

Unfortunately, due to systems issues, I have been unsuccessful in retrieving statement data for the following months. However, this will be taken into consideration when making any calculations for a refund where applicable.

2003: August
2004: May, June, July, September, October, November, December
2005: January, February, March, May

Should you require any further assistance, please do not hesitate to contact me on 0870 125 2545

Yours sincerely

Greg Strother

Has anyone else had this kind of response? I dont know what to do now. I know for a fact I was being charged more or less every month for being late and reckon they probably charged me in excess of £500.00.

I think you need to send another letter back stating that they have not complied with the Data Protection Act 1998 and so if they haven't responded with the information by 40 days then you will complain to the Information Commissioners Office.

zeopold

I have successfully reclaimed my HSBC bank charges (full settlement 2 years ago), and my credit card charges from Barclaycard (full settlement), Homebase (Half back), Debenhams, (full settlement after using ombudsman) and Lloyds (full settlement after using ombudsman), however Egg are not playing ball.

It has now been 5 months since I first requested my statements from them, using the correct template letter and enclosing a cheque. Via the egg money website I have kept in constant contact with them asking every couple of weeks how my request is processing. In their replies they apologise and say they are still no closer to sending them out due to the 'high demand' for this service.

Can I contact the information ombudsman? I'm not sure what to do next. How have other people got on with Egg? I was one of the many customers with Egg and had my account closed, and since then they are totally uncooperative?

natweststaffmember

Information Commissioners Office is a Yes.

rossi_nut_46

hi i am in dispute with lloyds card and bank , i sent a recorded letter to both saying that i am on benefits and am now on my own, they sent a letter back addressed to my husband, these accounts have nothing to do with him, why would they inform him of my claim?

cassie27

hi i had 2 credit cards and 1 store card owing £4868 most of which is charges on 1 day i was charged a whopping £125!!
my accounts were with tesco , nationwide , index catalogue

all of my accounts have been passed onto debt collection agencies i was going to go bankrupt but i am just wondering whether i could try and reclaim my charges

all accounts have been closed for 2-3 years

any advice would be fantastic :T

natweststaffmember

cassie27 wrote: »

hi i had 2 credit cards and 1 store card owing £4868 most of which is charges on 1 day i was charged a whopping £125!!
my accounts were with tesco , nationwide , index catalogue

all of my accounts have been passed onto debt collection agencies i was going to go bankrupt but i am just wondering whether i could try and reclaim my charges

all accounts have been closed for 2-3 years

any advice would be fantastic :T

Yes you can claim the charges back, but you need to send a Subject access request to all of the providers first prior to reclaiming the charges.

mr_pies

barloo69 wrote: »

For your information, received exactly the same letter offer from MBNA, didnt know what to do, if to accept or continue, had a look on other peoples forums/threads and the general idea was that most other people had successfully claimed the whole amount. So with this mind sent off the next letter and stone me, a couple of weeks later received a full reimbursement of ALL charges. fantastic.

So in short, continue, keep going. what you got to lose ?

Im still waiting to hear from mbna, they said they would write to me within 14days, tomorrow is the 13th day, shall i prepare my next letter or give them some more time?

barloo69

mr_pies wrote: »

Im still waiting to hear from mbna, they said they would write to me within 14days, tomorrow is the 13th day, shall i prepare my next letter or give them some more time?

Nah they had there allotted time for that stage, so move onto the next stage............more militant. Keep going.

mwaheed

Hi Everyone !

This is my first time writting on the forum so apologises if I am using the wrong thread etc.

Basically I was looking for some help and advise on my credit card agreements.

12+2 days ago I posted letters with £1 postal order enclosed to Barclaycard, Egg, Mint asking for my credit agreement.

I have received a reply only from Barclaycard and now seek advise to what my next step should be ?
I cant attached the letter so I have typed it below. I got this letter and also the standard Barclaycard terms and conditions leaflet photocopy which didnt have my name, address, signature, basically nothing in specific information related to myself. Just the general leaflet on Credit agreement regulation by the consumer credit act 1974.

Reply:

Dear Mr Waheed

reference: SECTION 78 of the Consumer Credit Act 1974

I write further to your letter and enclosed £1.00 fee requesting a copy of your executed agreement for the above amount.

Please find the following documents enclosed:

oA copy of your orignal Barclaycard terms and conditions at the time you opened your account.
oThe current credit limit on your account is £*****
oThe current balance on your account toady is £*****
oThe next minimum balance on your account today is £***** is due on the 28/05/09.
oPlease note, a copy of your current Barclaycard Credit Agreement will be sent under separate cover.
The information we must provide to you under the terms of section 78 is prescribed by the Consumer Credit Act 1974 and by the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983.
You will be receiving your next statment shortly which will provide you with full details of your account.
This completes our obligation to you under section 78 of the Consumer Credit Act 1974.

Yours sincerely
Barclaycard Customer Services

JULY 2002 TO AUGUST 2003
CLASSIC/GOLD/PLATINUM/INITIAL/FOOTBALL/STUDENT
01/07/2002 - 31/08/2003

(The july 2002 to august 2003 was a separate photocopy also enclosed).

What do I do now ? I would appreciate any advise given..

Muhammad.