Credit Card Reclaiming Discussion

mo3710

natweststaffmember wrote: »

Yep, absolutely. You can go back 6 years and in all likelihood it will reduce the overall debt you will pay. Any PPI on any of those loans?

Thanks so much! I will have to dig out the original paperork (hoping I kept it!) Do you know where I could find a template letter to send and what I actually have to ask for? (Sorry I dont have a clue!)
thanks again,
Mo:beer:

natweststaffmember

mo3710 wrote: »

Thanks so much! I will have to dig out the original paperork (hoping I kept it!) Do you know where I could find a template letter to send and what I actually have to ask for? (Sorry I dont have a clue!)
thanks again,
Mo:beer:

http://www.moneysavingexpert.com/reclaim/credit-card-charges
that the guide to reclaiming credit card. If you have PPI there is a bit on the forum for PPI reclaiming so ask the question and they will help.

shelly1964

Hi everyone, i have recieved my list of charges from Capital One and am ready to send claim letter, can i also claim payment protection insurance against them? Am claiming £309.00 in unfair charges.

natweststaffmember

shelly1964 wrote: »

Hi everyone, i have recieved my list of charges from Capital One and am ready to send claim letter, can i also claim payment protection insurance against them? Am claiming £309.00 in unfair charges.

There is a PPI thread on the forum, if you ask there they will be able to help on the PPI side of things.

violetmva

violetmva wrote: »

Hi, last week i received the Sar from Adams (Creation Financial Services Ltd), sent them a request to pay me back the charges over last 6 years about £550 and surprise, surprise, letter came back today saying addressee has gone away What does it mean? I sent it to the Radcliffe House in Solihul. Just don't understand - there is no one there to accept? They surely send letters if your late with payments

I have received today an acknowledgment letter from Adams saying they will look at my complaint and will get back to me in 20 days. The template i sent stated a full answer should be given in 14 days, so are they playing up, or the 14 days is just for acknowledgment?
Thanks in advance!

natweststaffmember

violetmva wrote: »

I have received today an acknowledgment letter from Adams saying they will look at my complaint and will get back to me in 20 day. The template i sent stated a full answer should be given in 14 days, so are they playing up, or the 14 days is just for acknowledgment?
Thanks in advance!

We will see but keep us updated on your progress

waynespurs

natweststaffmember wrote: »

Please tell me you haven't put together the credit card charges with the bank charges and sent one reclaim letter?

No, of course not, they are two totally seperate claims - bank charges are under a hardship claim -3000GBP plus now and the credit card charges are completely seperate.

KatieShopstoomuch

I've got a response from my other capital one account which had the £30 charges rather than the £12 and they've offered me £146 which is the difference should i push for the original amount or accept it and run? lol

natweststaffmember

KatieShopstoomuch wrote: »

I've got a response from my other capital one account which had the £30 charges rather than the £12 and they've offered me £146 which is the difference should i push for the original amount or accept it and run? lol

Push for the full amount.

natweststaffmember

waynespurs wrote: »

No, of course not, they are two totally seperate claims - bank charges are under a hardship claim -3000GBP plus now and the credit card charges are completely seperate.

Do you have priority debt arrears(mortgage/.rent, council tax, utilities)?
This is specifically on the hardship issue.

The credit card one should be easier.