Credit Card Reclaiming Discussion

Orford

curly_B wrote: »

Does anyone have the address for letter 1 & 2 for Mint? I have been looking for a while tonight and can't find it .

MINT,
Customer Service Centre,
PO BOX 5747,
Southend-on-Sea,
SS1 9AJ

woodymeg

Can I just ask how long can you claim back for credit card charges, also had a credit card with the Associates which changed to Citifinancial does any one have the address for them, also claiming ppi from them but the address i sent it to all my paperwork was returned saying not there any more. Can any one help.
Just one last question can you claim charges without requesting statements or is that abit too risky just need all my money at the moment to live on .

barloo69

woodymeg wrote: »

Can I just ask how long can you claim back for credit card charges, also had a credit card with the Associates which changed to Citifinancial does any one have the address for them, also claiming ppi from them but the address i sent it to all my paperwork was returned saying not there any more. Can any one help.
Just one last question can you claim charges without requesting statements or is that abit too risky just need all my money at the moment to live on .

you can claim the last 6 years.

do you not have a recent statement for the associates? Citi Financial address is :-
Citi Cards
CitiFinancial Customer Services
PO Box 49920
London
SE5 7ZF


Highly advisable you send the £10 and get the statements from them. That way you categorically know ALL the charges instead of them telling you..



Good luck.

flossjoss

Sorry a newbee here. How do you know if you have had PPI added into your credit card bills? It is very obvious with my Virgin card as I had to take it out with the card at the beginning but then stopped it at the earliest point..as for the Barclaycard, A &L and Mint I'm not sure. I want to persue them for late fees and Virgin for the PPI but now sure about the others.. Any help would be fabbo - thanks.

barloo69

flossjoss wrote: »

Sorry a newbee here. How do you know if you have had PPI added into your credit card bills? It is very obvious with my Virgin card as I had to take it out with the card at the beginning but then stopped it at the earliest point..as for the Barclaycard, A &L and Mint I'm not sure. I want to persue them for late fees and Virgin for the PPI but now sure about the others.. Any help would be fabbo - thanks.

At the end of your Credit card statement just below where it details where you have spent with your card over the last month they detail the interest charge that has been applied. If you had any kind of PPI or repayment protector, personal protection insurance then it will have an amount that fluctuates in line with whatever your balance. This will be a PPI payment that you had on the card.

So if you have this then start the ball rolling and reclaiming .........

flossjoss

Thank you very much- will check tonight as have the last 6 yrs of statements to hand. Thanks again!

longhauladdict

Hiya,
not sure if this has already been asked a million times, but I think I have had 2 cards with Egg and Virgin previously (both closed/unused) which may fall into the last 6 years with charges. has anyone any idea how I could find out the account numbers etc as I don't have any details for them??? Thanks

natweststaffmember

longhauladdict wrote: »

Hiya,
not sure if this has already been asked a million times, but I think I have had 2 cards with Egg and Virgin previously (both closed/unused) which may fall into the last 6 years with charges. has anyone any idea how I could find out the account numbers etc as I don't have any details for them??? Thanks

If you were defaulted on them they may be on your credit file. Otherwise write to both of them with all addresses you would have had with them and ask for the details.

treblex33_2

hi All,

sorry to jump in;
I have an rbs cc account in dispute due to unenforcable CCA. I made a succesful charges claim for last 6 years but rbs paid the money in the account instead of sending it to me. This would usully be ok, but at this time the account is in dispute and I do not wish to make payments until it is resolved.
Do I have a legal right to write back to request they send the money to me??
thanks in advance,

natweststaffmember

treblex33 wrote: »

hi All,

sorry to jump in;
I have an rbs cc account in dispute due to unenforcable CCA. I made a succesful charges claim for last 6 years but rbs paid the money in the account instead of sending it to me. This would usully be ok, but at this time the account is in dispute and I do not wish to make payments until it is resolved.
Do I have a legal right to write back to request they send the money to me??
thanks in advance,

Having taken some advice, reclaim the charges and then hit them with unenforceability and refuse any payments since the refund was not a payment from you.