Credit Card Reclaiming Discussion

natweststaffmember

saintsnut wrote: »

HI

I Started me Claim against MBNA abut 8 weeks ago, got a letter in June saying they would look into my complaint and get back to me by the 14th July, 14th came and no letter so sent my 3rd letter saying that I want all my money back (£933) within 14 days or I will take it further, I sent this on the 15th.

I got a letter today dated the 15th from MBNA with a cheque for £200 saying that this is all they will give me. I am pushing for the full amount as I sent a letter on the 15th and they sent me a letter on the same date should I see what reply I get from the letter I sent or should I bank this cheque and send thema letter saying I still want the rest of my cash.

Hope the above makes sense

Saints NUt

I wouldn't bank the cheque because it could be seen as accepting their offer.

lisalurve

Can someone tell me if it is possible to reclaim charges on credit cards over the last 6 years if you no longer have the cards, i.e. account paid off and subsequently closed?
Thanks

queeniedog

lisalurve wrote: »

Can someone tell me if it is possible to reclaim charges on credit cards over the last 6 years if you no longer have the cards, i.e. account paid off and subsequently closed?
Thanks

Hi there, yes I have just been successful with Barclaycard and it is a closed account. It only took one letter and they didny dispute it at all. Good Luck! x

stellaboy

Is there a thread on here any where for the addresses of credit card firms to write to,just got off the phone to abbey i sent the letter off to them with the £10 and the first letter and they put the £10 on my old credit card which i paid off and can no longer use,got the £10 back to my current account and the address to send the letter the first letter i sent to bolton which is the payment place they then gave me the address for chester so igot to start again with shabbey,had no problem with amex,they even sent the cheque back,just hope i have not messed up with the other cards

andy2267

I have been following recent threads with great interest but am a little confused I have a virgin balance transfer card from virgin and was hit with a couple of £12 charges which is no real problem but the interest they are adding to those is and what i need to know is when I reclaim the original charges will I also get the interst they have added on top
thanks in advance for any advice Andy

natweststaffmember

stellaboy wrote: »

Is there a thread on here any where for the addresses of credit card firms to write to,just got off the phone to abbey i sent the letter off to them with the £10 and the first letter and they put the £10 on my old credit card which i paid off and can no longer use,got the £10 back to my current account and the address to send the letter the first letter i sent to bolton which is the payment place they then gave me the address for chester so igot to start again with shabbey,had no problem with amex,they even sent the cheque back,just hope i have not messed up with the other cards

On the next cheque you send write on the front of it to the side of where you write the payee's name. That is what I did with NatWest.
"For the purposes of DSAR"
If Abbey pay it into your account then they will have to provide the details without you having to supply any further monies to them.

natweststaffmember

andy2267 wrote: »

I have been following recent threads with great interest but am a little confused I have a virgin balance transfer card from virgin and was hit with a couple of £12 charges which is no real problem but the interest they are adding to those is and what i need to know is when I reclaim the original charges will I also get the interst they have added on top
thanks in advance for any advice Andy

You can claim interest on the £12 charges.

CloakNDagger

Hi,

I have had my credit card for a couple of years but I've only ever been charged the recomended £12 for late payments and going over my limit. Am I still able to reclaim these charges? It totals around £300!!

natweststaffmember

CloakNDagger wrote: »

Hi,

I have had my credit card for a couple of years but I've only ever been charged the recomended £12 for late payments and going over my limit. Am I still able to reclaim these charges? It totals around £300!!

oh yes you definitely can.

CloakNDagger

Brill, Thanks!!

I'll download the template letters right now......