Credit Card Reclaiming Discussion

brumms

citi bank wont pay out i have 1200 charges applied to my account . i sent them the letter saying i was taking them to court they still said i wasnt entitled to the charges that was august last year on there leter it said i only had 6 months to appeal am i to late or can i try to reclaim my charges agin ?

natweststaffmember

brumms wrote: »

citi bank wont pay out i have 1200 charges applied to my account . i sent them the letter saying i was taking them to court they still said i wasnt entitled to the charges that was august last year on there leter it said i only had 6 months to appeal am i to late or can i try to reclaim my charges agin ?

Bank account or credit card?

filthiestfish

Hi everyone
Im new to this forum. My post is about reclaiming credit card charges and is this possible under hardship rules if I am not in hardship now but was at the time of being charged?
I bank with Natwest and since the beginning of the year I have been making payments to them on my credit card via CCCS. I have a debt repayment plan with CCCS which started when I was unemployed and is continuing with them until payments to my debtors have been fully paid.
The thing is that Natwest have continued to charge me on my credit card balance even though they are receiving payments from CCCS on my behalf. I wrote them a letter explaining this and now they have sent me a form to complete declaring hardship. This form would have been appropriate at the time when I was in hardship, but I have been in full time employment for several months, so how can I declare myself to be in hardship now? They will just dismiss my claim for a refund of the overcharges as they will say that I am not currently in hardship as I am receving a salary.
Is there anything that I can do?

jodan

Teenie_D wrote: »

Hi I had the same problem with Capital One (50 days after letter sent and cheque cashed) I phoned them up on Monday to find out why they hadn't sent anything out to me, they were very apologetic and I received what I needed today, away to work out what to claim back. You can go to the Information Commissioner but it may be worth a try phoning the credit card companies first. Good Luck

Hi Teenie D
A big thanks for your advice, will give them a ring on wednesday on my day off.:D

natweststaffmember

filthiestfish wrote: »

Hi everyone
Im new to this forum. My post is about reclaiming credit card charges and is this possible under hardship rules if I am not in hardship now but was at the time of being charged?
I bank with Natwest and since the beginning of the year I have been making payments to them on my credit card via CCCS. I have a debt repayment plan with CCCS which started when I was unemployed and is continuing with them until payments to my debtors have been fully paid.
The thing is that Natwest have continued to charge me on my credit card balance even though they are receiving payments from CCCS on my behalf. I wrote them a letter explaining this and now they have sent me a form to complete declaring hardship. This form would have been appropriate at the time when I was in hardship, but I have been in full time employment for several months, so how can I declare myself to be in hardship now? They will just dismiss my claim for a refund of the overcharges as they will say that I am not currently in hardship as I am receving a salary.
Is there anything that I can do?

On credit cards whether you are in hardship or not is not relevant when reclaiming the charges since they are not bank account charges. There is no hold on claims so reclaim the charges so start the process of reclaiming your credit card charges since there is no relevance on hardship or not on the type of claim you are doing.

boylesarah

Hi, Can anyone tell me if I can reclaim just £12 charges? Myself and my husband have encurred a lot recently and i was wondering if I could get them back?

Thanks Sarah

-MRS_T-

boylesarah wrote: »

Hi, Can anyone tell me if I can reclaim just £12 charges? Myself and my husband have encurred a lot recently and i was wondering if I could get them back?

Thanks Sarah

Hello Sarah

Yes you can claim back the £12 ones as well, I have done this successfully already. Just follow the template letters.

Hope that helps

natweststaffmember

boylesarah wrote: »

Hi, Can anyone tell me if I can reclaim just £12 charges? Myself and my husband have encurred a lot recently and i was wondering if I could get them back?

Thanks Sarah

Yep 100% definitely since no court has stated that the charges are fair so start the process and keep us updated if you need more help

boylesarah

Great! Thanks, am getting onto it straight away!!!

-MRS_T-

boylesarah wrote: »

Great! Thanks, am getting onto it straight away!!!

Good for you Hope it goes well