Credit Card Reclaiming Discussion

michymo

clo5 wrote: »

Need adviceI have had a few credit cards in the past which are now closed accounts. I live at a different address from where they were registered. Can i still claim refunds for charges on those cards ?Thankyou to anyone that can help!!

Yes - I have moved from England to Northern Ireland and have successfully reclaimed some charges on cards that are closed. The only bank that made a fuss was Natwest and I just had to go into one of their branches when I was last over in England with ID.

queeniedog

ccmug wrote: »

Barclaycard and Barclaycard Goldfish

Letters sent 18th May

Claims :
Barclaycard - Charges £708, Interest on charges £405.95 = £1113.95
Barclaycard Goldfish - Charges £676, Interest on charges = £436.44 = £1112.44

Both claims settled in full today!!!
No wriggling or squirming on their part and the interest I claimed was not the statutory 8% (although i did detail that as well in my claim) but my calculated estimate of the interest which I had paid them on the charges.
A good result

Thank you Martin and thanks to Natweststaffmember and Esmerelda for all their help

That is fantastic news, I have just had my PPI back but have just requested the list of charges from Barclaycard for my visa and mastercard accounts. Very heartening to see the speed of resonse you got! Thanks

alcee12

alcee12 wrote: »

help me claiming from citicard i have sent a letter to salford requesting statements didnt send cheque as i dont have cheque book but said i will pay by debit card it has been 40 days now i tried to phone but it was in london with no help at all cant find tele no for salford i am claiming from 2000 to 2006 has anyone been successful and know the no for salford cheers

hi i got aletter back from citi saying they cant find my account i explained that i do not have account no as i closed it in 2004 but gave all info ,what date it was payed off and how much ,previous address etc waiting on return letter cos they cant give statements if no account ,does anyone no if i can still claim if no account no or any success stories

valleysvc

lukedaz : Just got a letter from Capital One saying blah blah blah , don't accept liability but will refund my claim in full by cheque within 14 days :j.


They have asked me to let the court know they have settled , should I wait until I receive the cheque ?

marcellep

valleysvc wrote: »

lukedaz : Just got a letter from Capital One saying blah blah blah , don't accept liability but will refund my claim in full by cheque within 14 days :j.


They have asked me to let the court know they have settled , should I wait until I receive the cheque ?

I would wait until you have the funds for sure

How lond did the whole process take?

lukedaz

:jWell done I havent heard anything yet but my claim wasnt aknowledged until the 27th may so a bit later than yours. did you recieve a form from the courts saying that Cap 1 were going to defend the claim, I did and i'm a bit worried about my husband going to court as I have taken care of all the steps to re-claiming as hes useless on the money side of things. Interestingly enough though I have a claim with cap 1 for around 1400 I went through all the stages got the usual response and as I was short of cash decided to go the FOS route that was 2 months ago and I havent heard a thing maybe should of gone court route.

rose28454

rose28454 wrote: »

I have a personal loan with HFC for an electrical item and am in arrears. They sent me today the agreement I asked for and a statement. I owe £233.59 on an original loan of £318.55 but I now discover that the late payment fees are nearly £200.00. They phoned today and said they were sending me an offer of reduced full and final settlement. Question is can I recalim these charges??

Further to my above quote I received a letter from HFC offering me £75.00 refund which represents 100% reduction in the charges payable when the account was forwarded to their solicitor in December 2008. They also wrote last week offering full and final settlement for the figure of £116.00 which is was half of the outstanding figure as at 13.5.9.
When I sen the charges letter it came to £315.00 plus £30.21 interest so was more than I thought. The £75.00 they are offering is just the admin charge they added before transferring to their solicitors. How should I proceed??

jermyn

Is it worth trying to claim back insurance paid out each month on a credit card even though it is usually only pennies to a pound or 3?

bettybootilicious

hi i wonder if anyone can give me advice i sent the 1st template letter asking for my ppi money back from my hsbc card ,they sent me a letter back saying that the creditcard agreement form was signed by me also i signed a seperate form for the cardholder repayment protecter plan . can i still go ahead with my claim as i didnt realise what i was signing. thanx

valleysvc

Yes lukedaz I too had a letter from the Court saying they were going to defend the claim in full (they do this by paying you !).

Good luck , I'm sure yours is on its way.