Credit Card Reclaiming Discussion

maegaz

esmerellda wrote: »

8 weeks until you can go to FOS - 14 days till you can put in a court cllaim.

Does this mean that I have to wait 8weeks before I can go to FOS even if I had sent the 3rd letter wanting my money back?

Groover_2

Hi Folks

Regular viewer on here but a first time poster.

Can anyone help answer my 2 questions please?

1. Can you reclaim on store cards in the same way as credit cards?

2. I have reclaimed on all of my old credit cards but I once had a Mint card but I don't have a record of the account number anymore, any suggestions of how I could get hold of it? I called them but they said they have no record anymore.

Many thanks in advance.

natweststaffmember

maegaz wrote: »

Does this mean that I have to wait 8weeks before I can go to FOS even if I had sent the 3rd letter wanting my money back?

It;s 8 weeks from the first letter you have written asking for the money back?

natweststaffmember

Groover wrote: »

Hi Folks

Regular viewer on here but a first time poster.

Can anyone help answer my 2 questions please?

1. Can you reclaim on store cards in the same way as credit cards?
Yep
2. I have reclaimed on all of my old credit cards but I once had a Mint card but I don't have a record of the account number anymore, any suggestions of how I could get hold of it? I called them but they said they have no record anymore.
include all your details including name date of birth etc,etc,
Many thanks in advance.

See the above for the advice

ggecko

Where do I send my initial 'search for all charges' in the past 6 years to ? I am with Alliance & Leicester.

Much appreciated.

Is this address correct? :

Customer advocate office
MBNA Europe bank
PO Box 1004
Chester business Park
Wrexham rd
Chester
CH4 9WW

Quo_Vadis_2

Hi Everyone,

I submitted an SAR to Goldfish and today, over two months and three letters later, I received a reply from Barclaycard (who now operate Goldfish). They cannot find the statements or any other account information between June 2007 and the date the account was sent to a DCA (1st Credit - don't you just love them?) in August 2008 - a total of 14 months.

Anyone any idea where I now stand? The total of (alleged) debt that was passed to 1st Credit was £10k. Is the debt enforceable?

I have obviously sent a letter back to Barclaycard asking them to confirm thay have no records and an email to 1st Credit ensuring they have none. Strangely I had another Goldfish account (formerly Morgan Stanley) and statements were present up until the time it was passed to a DCA (Cabot) in September 2008.

Any advice gratefully received!

maegaz

I am really confused of what to do next....I have posted here twice about this particular problem but seem no one knows what to do either.

ggecko

maegaz wrote: »

I am really confused of what to do next....I have posted here twice about this particular problem but seem no one knows what to do either.

At which part are you at?

jos004

Quo_Vadis wrote: »

Hi Everyone,

I submitted an SAR to Goldfish and today, over two months and three letters later, I received a reply from Barclaycard (who now operate Goldfish). They cannot find the statements or any other account information between June 2007 and the date the account was sent to a DCA (1st Credit - don't you just love them?) in August 2008 - a total of 14 months.

Anyone any idea where I now stand? The total of (alleged) debt that was passed to 1st Credit was £10k. Is the debt enforceable?

I have obviously sent a letter back to Barclaycard asking them to confirm thay have no records and an email to 1st Credit ensuring they have none. Strangely I had another Goldfish account (formerly Morgan Stanley) and statements were present up until the time it was passed to a DCA (Cabot) in September 2008.

Any advice gratefully received!

I'll stop wasting time, if I were you, and file a complaint against them with the Info Commissioners Office:

http://www.ico.gov.uk

Did you send the £10 DPA fee by cheque/postal order?
Did you post your letters via recorded delivery? A must.

Also, tell the DCA that your a/c is in legal dispute, so you will not be paying anything. I told a dca exactly this, almost 2 years ago after HSBC passed on my o/s CC debt.

maegaz

ggecko wrote: »

At which part are you at?

I am on the process of reclaiming default charges from MBNA amounting £294.15. On July 30 I recieved a letter from them stating that all their charges are fair and on the agreement but offering me £104 as a matter of goodwill. I wanted the whole amount so I sent the 2nd letter threatening to go to court but put without prejudice will accept £250 on July 28 (did not put on account the £104 that they will be sending). I recieved another letter from them with a cheque £104 enclosed they did not say that it will be their final settlement. So I presume that they would just send the remainder of my offer which is £146 but its been 15 days and I still haven't heared anything from them. What should I do now? I still have the cheque and haven't cashed it yet just to be in the safe side.

I hope you can shed some light on this part. Very confusing.
Thanks