Credit Card Reclaiming Discussion

dec22

stellaboy wrote: »

had a reply back from monument today iwas asking for £480 plus £126 interest they have offerd me £240 with a complaint settlement form of my complaint,full and final settlement

Don't accept it write back and ask for the full amount, normally pay outy on the second letter, that was my experience.

stellaboy

dec22 wrote: »

Don't accept it write back and ask for the full amount, normally pay outy on the second letter, that was my experience.

was that including any £12 charges and the interest

stellaboy

is there a template letter please

stellaboy

anybody!!!!!!

natweststaffmember

stellaboy wrote: »

anybody!!!!!!

http://www.moneysavingexpert.com/reclaim/credit-card-charges#step4
I think it is step 4

stellaboy

natweststaffmember wrote: »

http://www.moneysavingexpert.com/reclaim/credit-card-charges#step4
I think it is step 4

cheers natwest im onto it now

kebabjones

we have recieved our cheques back from mbna today no quible but should we accept im starting to think accept but woudl love some advice have been offered 65 on mine and 104 on hubbies i had 5 x 25 charges with 19 interest the rest were 12 charges which there were many only added them to force their hand so to speak x on hubbies there were 8x 25 charges and 36 interest so basiclaly they have given us the difference back from 12 fees and no interest ? what do u think ? :A

kebabjones

:T

kebabjones wrote: »

we have recieved our cheques back from mbna today no quible but should we accept im starting to think accept but woudl love some advice have been offered 65 on mine and 104 on hubbies i had 5 x 25 charges with 19 interest the rest were 12 charges which there were many only added them to force their hand so to speak x on hubbies there were 8x 25 charges and 36 interest so basiclaly they have given us the difference back from 12 fees and no interest ? what do u think ? :A

there were several 12 fees on hubbies too sorry missed that out x

croomey01

Hi Guys

I have been offered a settlement figure that i am going to take but reading the letter it states that it will the settlement will be applied to my account and not in cheque directly to me! What are the chances of that?

natweststaffmember

croomey01 wrote: »

Hi Guys

I have been offered a settlement figure that i am going to take but reading the letter it states that it will the settlement will be applied to my account and not in cheque directly to me! What are the chances of that?

It reduces your overall debt to them or might clear the existing debt so it's a positive in the long run.