Credit Card Reclaiming Discussion

roberto1982

Hi Guys,

Claimed £700 plus £238 interest from barclaycard on an old Goldfish card.

Letter back friday saying giving full refund just had to ring up and give them my bank account details so the money can go in! Merry Christmas!!!:beer::beer::beer:

shedsounds

Ive had a few good successes claiming ppi and late fees but I have two banks that I know I had a loan and a credit card account with. I dont have account numbers on either and both banks say they cannot find an record of me. I can show bank statements which prove I was paying to them, for the loan I know when it started, ended, the amount, the term etc but still nothing. Is there aa way to force the banks to open up as I feel they are fibbing!

Broadstone

Hi all,

This may interest you if you wish to get some revenge with credit card companies, banks, building societies and other telemarketers :

Three Little Words That Work!!

(1) The three little words: 'Hold On, Please...'
Saying this, while putting down your phone and walking off ( instead of hanging-up immediately) would make each telemarketing call so much more time-consuming that boiler room sales would grind to a halt.

Then when you eventually hear BT's 'beep-beep-beep' tone, you know it's time to go back and hang up your handset ..... you have efficiently completed your task.
These three little words could help eliminate telephone soliciting.
(2) Do you ever get those annoying phone calls with no one on the other end?

This is a telemarketing technique where a machine makes pho ne calls and record s the time of day when a person answers the phone.

This technique is then used to determine the best time of day for a 'real' salesperson to call back and get someone at home.
What you can do after answering: If you notice there is no one there, is to immediately start hitting your # button on the phone, 6 or 7 times, as quickly as possible. This confuses the machine that dialled the call and it kicks your number out of their system. Gosh, what a shame not to have your name in their system any longer!!!


3: When you get those 'pre-approved' letters in the mail for everything from credit cards to 2nd mortgages and similar type junk, do not throw away the return envelope.

Most of these come with postage-prepaid return envelopes, right?
It costs them more than the regular postage 'IF' and when they are returned. It costs them nothing if you throw them away! In that case, why not get rid of some of your other junk mail and put it in these cool little, postage-prepaid return envelopes.

Send an advert for your local chimney sweeper to American Express .. they might need one!
Send a pizza coupon to HSBC ... in case their canteen packs up. You get the idea.
If you didn't get anything else that day, then just send them back their blank application form=2 0... after all, it is their form!

If you want to remain anonymous, just make sure your name isn't on anything you return.

You can even send the envelope back empty if you want to just to keep them guessing! It still costs them, and it is their envelope after all .. you are just returning it!!!!

The banks and credit card companies are currently getting a lot of their own junk back in the post, but folks ..... we need to OVERWHELM them, in order to stop them.

Let's let them know what it's like to get lots of junk mail, and best of all they're paying for it ... Twice!

Let's help keep Royal Mail busy. Since the Royal Mail are saying that e-mail is cutting into their business profits, let's help them so they will not need to increase postage costs again. You get the idea!

If enough people follow these tips, it will work ---- maybe you'll get very little junk mail anymore.

I know that I am doing the above and I hope this helps.

minimeinside

hi how do i go about getting statements from Capital One credit account which has settled about 2 - 3 years ago. i think i have the account number i don't have the exact date of closure of the account
thanks in advance for help

nellyboy

Hi can some one give me the addresses for Sky card and MBNA cards? i have old accounts that i would like to look into.
also, i have heard mention of interest being repaid at the contractual rate.

where does this differ from the court rae please?

thanks in advance.

woodymeg

hi got a response finally from Cap 1, my original claim was for £600.00 but they have offered me £132.00 saying that they dont have to pay £12 so they are giving me the difference, is there a letter that i could send disputing this, any help much appreciated:p

garyUK_2

"How much should I ask for?
This is where it gets a bit trickier but don’t worry, it’s simply about how hard you’re going to push. Remember the OFT has pretty much indicated any charges higher than £12 are unfair.

• Charges from before June 2006. Credit card charges from before this date will usually have cost between £30 and £35. With these, you can ask for either the full amount of each charge to be refunded or the difference between the actual charge and the OFT recommended fee of £12; for example, a charge of £35 minus £12 would give a refund of £23.
• Charges after June 2006. For any charges on or after June 2006, you were probably hit for £12 each time. As this is already set to the OFT recommended amount, you simply need to ask for the full £12 amount to be refunded."

---

I'm a little confused by this. If the OFT recommended fee is £12, how come on the second bullet point above, it suggests that I ask for my £12 back? Do people normally claim for say the £30 charges and the £12, or just the £30 charges?

Thanks.

estimator

preston121 wrote: »

I am reciving £1097 from cap one the full ammount including interest and court fees they have settled as a matter of good will, (yeah right). This site is the best, thank you all for making me stronger against these money grabbing experts, Abbey sorry Santader still owe me over £4000 I hope the new template letters alow me to move forward and get this lot back as well. We need a banking service that dose not charge (fat chance) and are honest with our money failing that let's just put it under the matress

How long did it take from start to finish? Did they give you all the credit card charges from Cap one? I have been dealing with them since Sep2nd with a total of 1500 outstanding and two weeks go they offeres 350, so just wondered how long it took for you. Did you deal with them dirct or go via the FOS?
wELL DONE TO YOU AGAIN!!

estimator

minimeinside wrote: »

hi how do i go about getting statements from Capital One credit account which has settled about 2 - 3 years ago. i think i have the account number i don't have the exact date of closure of the account
thanks in advance for help

They can do a search via your postcode and other details that you may have given them at the time. They will ask you a number of security questions and then will find your account details.....

estimator

Kingel wrote: »

Hi everybody, I am trying to reclaim charges back from Aqua Credit Card but I can't find any address to send the Data Protection Letter, does anybody know the correct address?
Many thanks

HBOS plc
10 carlton Street
Halifax
HX1 2AL

0845 602 5831

Becki westbrook is customer relations office and will provide you withthe details......