Credit Card Reclaiming Discussion

natweststaffmember

gpjoinery wrote: »

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

Send a SAR with all your details ie date of birth, address at the time, and approximate time you closed the account.

Matrixds

natweststaffmember wrote: »

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

So should i go straight to court or threaten? Anyone else had this with EGG?

olly1978

olly1978 wrote: »

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

Shall I call them again today and politely ask?

maegaz

I am on the process of reclaiming default charges from MBNA amounting £294.15. It took a while for them to respond but I waited anyway b'coz they did sent a letter saying when will it be looked at so I did. Now after 3 weeks of wait I recieved a letter from them stating that all their charges are fair and on the agreement but offering me £104 as a matterof goodwill. I wanted the whole amount so I sent the 2nd letter threatening to go to court but put without prejudice will accept £250. Today I recieved another letter from them with a cheque £104 enclosed. Can I actually accept this cheque without compromising my claim of at least £250?
Thanks

GeoGirl_2

Hi,

Just a wee bit of advice is needed, I have just claimed for my C/C charges for two Lloyds TSB accounts one which has now expired. The total amount plus interest amounting to £268.99

I have just recieved a letter for them stating they are willing to pay the difference of £87.38 plus interest which they have automatically creited to the account without any acceptance from me. I wish to press them further for the full amount, I was hoping to get people's experience of doing this with Lloyds and which approach I should take. Does the FOS look favourably on claims for their £12 guideline charge?

Thanks

Quo_Vadis_2

Hi,

I am quite new to this reclaiming lark. I claimed £246 back last month from Beneficial (HFC), including interest, and they agreed to pay by return of post. Apparently this was because I was a 'valued customer' (which they didn't say 6 months ago when they tried to take out a CCJ!!!!!).

However, I submitted a claim for £433 to Egg and they have refused twice offering a mere £52 sending me reams of paper about what wonderful people they are when it comes to charges ..... anyone had success with Egg?

Also I sent a data request off to Goldfish seven weeks ago - and a reminder - about two accounts I used to have with them (one formerly Morgan Stanley) and the silence has been defeaning? Any experiences/suggestions with Goldfish would be welcome!

pinknico

When I claimed from Egg it took 3 letters for them to repay all credit card charges. No court and no FOS.

peterrob_2

hi can anyone shed any light on park lane services?.. i recieved a call out of the blue asking if i had any cards/loans over 7 years old...and if i had any charges on them..(which inevitably i do). they say they guarantee to get them cancelled and money back in return for a minimal up front payment...has anyone had any dealings with this company ..be glad of any info cheers pete.

jd87

How are people doing with Capital One at the moment? I'm trying to claim back a small amount. Letters back and forth but they are flat refusing to pay so I've sent off my FOS complaint form today. I've read that people haven't had any joy with the FOS for Capital One, but how can this be so? If they don't pay then won't the FOS start a formal investigation against them or something?

peterrob_2

hi can anyone shed any light on park lane services?.. i recieved a call out of the blue asking if i had any cards/loans over 7 years old...and if i had any charges on them..(which inevitably i do). they say they guarantee to get them cancelled and money back in return for a minimal up front payment...has anyone had any dealings with this company ..be glad of any info cheers pete.:cool: