Credit Card Reclaiming Discussion

Brickie103

thanks very much for that! i'll have to go and get my head straight and make a start! I have already sorted out the charges and used the calculator on here, just need to do the letter now!
will keep everyone posted on what happens!

richardh1970

I took out a card with Morgan Stanley approx 2005. They then sold/transferred my account to 'Goldfish' around 2007 who in turn sold/transferred my account to Barclaycard about a year ago. Currently there is a debt of about £7000 which is being paid off normally. There's about £500 in charges&interest which could be claimed.

Can I still claim the charges (all of which stem from the original period with Morgan Stanley) and from whom do I claim? Do I apply to MS for a cheque in the post, or do I ask Barclaycard to offset the repaid figure against the remaining debt?

esmerellda

richardh1970 wrote: »

I took out a card with Morgan Stanley approx 2005. They then sold/transferred my account to 'Goldfish' around 2007 who in turn sold/transferred my account to Barclaycard about a year ago. Currently there is a debt of about £7000 which is being paid off normally. There's about £500 in charges&interest which could be claimed.

Can I still claim the charges (all of which stem from the original period with Morgan Stanley) and from whom do I claim? Do I apply to MS for a cheque in the post, or do I ask Barclaycard to offset the repaid figure against the remaining debt?

Claim off who has your account now(ie barclaycard), and barclaycard will most likely offset it off any debt you have with them.

vivih

Thank you so much di3004 for taking the time to help and point me in the right direction - I really felt like I had hit a brick wall.

I'll get in touch with FOS and see what they have to say before I send the SAR off to HSBC, but I have it ready to go anyway. Then once I have received the details (depending on what the FOS say initially), I think the next step will be to get back in touch with HSBC asking them to reconsider.

Watch this space!!!!

Thanks too for the links.

Viv

sparklesilver

hi there
new to forums!!
In need of HELP!!! Please!!!!
I bank with natwest and have had a lot of charges put on my account and would like to know if i can reclaim them would be greatfull for so advice please!!!
i have a current plus account with an arranged borrowing limit of £100 the charge for this account is £6.95 monthly
i have been, being charged a maintenance charge of£28.00, then on my statement it has got a debit intrest charge too which can be any thing from £9.00 up to £18.00 should i be being charged this and can i claim it back!!!
this has been going on for quite a few years now!!!

natweststaffmember

sparklesilver wrote: »

hi there
new to forums!!
In need of HELP!!! Please!!!!
I bank with natwest and have had a lot of charges put on my account and would like to know if i can reclaim them would be greatfull for so advice please!!!
i have a current plus account with an arranged borrowing limit of £100 the charge for this account is £6.95 monthly
i have been, being charged a maintenance charge of£28.00, then on my statement it has got a debit intrest charge too which can be any thing from £9.00 up to £18.00 should i be being charged this and can i claim it back!!!
this has been going on for quite a few years now!!!

You have an advantage blue current account which isn't a credit card .
You can claim £28 ones and if you have had the advantage blue for at least 6 months then get rid of it as it is not benefitting you.

Matrixds

I have just received a letter from Egg after my first reclaim letter saying that their £16 charges have been ok'd by the OFT after it reduced them from £20 in April 2006. All my charges are since then and thus £16. Should i still progress as they have said they consider the matter closed. How should i progress? Threaten Small Claims? The ammount they have been asked for is £378.87 which includes interest.

olly1978

thanks all especially "natweststaffmember" for help earlier, I've called Halifax today asking if they've recieved my letter rejecting my offer letter of £65, and the answer is yes we have - this was 14days now - and I am hanging out for the full £544 that I'm owed - It would appear there very busy with things at the moment and cant hurry things along anymore - Is there nothing I can do? without being pushy, All contact to and from has been very polite and courtious from people at halifax

gpjoinery

hi,

does anyone know how i can retrieve account details for my old credit cards?
i want to see about reclaiming charges from 'barclaycard' and 'capital one' but both accounts ceased two years ago and i no longer have the details.

many thanks
gareth

natweststaffmember

Matrixds wrote: »

I have just received a letter from Egg after my first reclaim letter saying that their £16 charges have been ok'd by the OFT after it reduced them from £20 in April 2006. All my charges are since then and thus £16. Should i still progress as they have said they consider the matter closed. How should i progress? Threaten Small Claims? The ammount they have been asked for is £378.87 which includes interest.

They were given that dispensation but a court may not necessarily agree with them.