Credit Card Reclaiming Discussion

simmyd_2

HI all, i started to reclaim my bank charges from halifax about 18 months ago and i got the usual reply "we have to wait until the test case" etc,
i have moved house twice since i started to reclaim and have changed address with my bank but do i have to change address with a different dept regarding the charges as i dont have a number etc!!
any advice would be greatly appreciated.
Thanks

natweststaffmember

simmyd wrote: »

HI all, i started to reclaim my bank charges from halifax about 18 months ago and i got the usual reply "we have to wait until the test case" etc,
i have moved house twice since i started to reclaim and have changed address with my bank but do i have to change address with a different dept regarding the charges as i dont have a number etc!!
any advice would be greatly appreciated.
Thanks

Credit cards are not subject to the OFT test case however I have answered your question on another thread.

chesworths

I wrote to HSBC back in April with the standard "i want a fully comprehensive list of charges" etc.
They didnt reply so i wrote again at the end of July.

I have now had a letter that says they cant find my account and because it was closed so long ago the record has probably been deleted.
They are asking if i have a statement from before 2005 and they can try to find me using a code that would be on the statement?!

I havent got anything at all!

I paid the credit card off at least 4 years ago and dont have any records at all to be able to trace it myself.

I have always had, and still do have, a HSBC current account, surely somewhere on their system will be a link to my (now closed) credit card?

Does anyone know what happens if they still cant find me?
I want to see how much i can claim back from them but obviously wont know until they find my details!! :mad:

Thanks
Sharon

achtunglady

Does anyone know how long the Ombudsman takes to make a decision after you send them all the information?

stellaboy

Nat west im still having trouble downloading the template letters,is the site down or is it my end

stellaboy

got it sorted now!

natweststaffmember

chesworths wrote: »

I wrote to HSBC back in April with the standard "i want a fully comprehensive list of charges" etc.
They didnt reply so i wrote again at the end of July.

I have now had a letter that says they cant find my account and because it was closed so long ago the record has probably been deleted.
They are asking if i have a statement from before 2005 and they can try to find me using a code that would be on the statement?!

I havent got anything at all!

I paid the credit card off at least 4 years ago and dont have any records at all to be able to trace it myself.

I have always had, and still do have, a HSBC current account, surely somewhere on their system will be a link to my (now closed) credit card?

Does anyone know what happens if they still cant find me?
I want to see how much i can claim back from them but obviously wont know until they find my details!! :mad:

Thanks
Sharon

Were you defaulted on the account at all?

stellaboy

thought i did but no, can not get the letters or the calculator up

natweststaffmember

stellaboy wrote: »

thought i did but no, can not get the letters or the calculator up

Credit card charges:http://www.moneysavingexpert.com/reclaim/credit-card-charges#step3

stellaboy

just a blank page comes up,my wife is going to try it in work tomorrowgot about 5 claims to get my teeth into