Credit Card Reclaiming Discussion

LexieLou

LexieLou wrote: »

Hi,

me again,

Worte to Cap One on 21st Apr asking for late fees and gave them 14 days to repsond. I got a letter today telling me that they were investigating the matter further.

Can I send the second letter or wait until they respond again. There is no time frame allocated to this response from them.

Thanks again.

LL xx

Forget i asked this, found the response in an earlier post. It's 56 days before I can go to FOS

pressandgo

LL

Glad you got a reply - me - I had no response from first letter - sent letter back up the claim by more interest - still waiting response - could be long slog. Best of luck with yours

John

natweststaffmember

LexieLou wrote: »

Does anyone have any suggestions?

Thanks

LL xx

On the second issue you might want to try the debt free wannabe board and Never_in_Doubt

pressandgo

natweststaffmember wrote: »

Can you explain a bit more please?
http://www.financial-ombudsman.org.uk/publications/ombudsman-news/40/40.pdf
For reference for me when you respond to this one(page 3-7)

About to look ay LLTSB CC, currently reclaiming from Cone, LLTSB have been off-setting against my OD current account to pay off credit card. My question is can they do this

natweststaffmember

pressandgo wrote: »

About to look ay LLTSB CC, currently reclaiming from Cone, LLTSB have been off-setting against my OD current account to pay off credit card. My question is can they do this

Providing it does not take you over your overdraft limit then the answer is yes as it would be offsetting an available balance against an amount owing.

trish123

Hi there,had a cc with morgan stanley later taken over by barclaycard whom should i sent my letters to? Any help appreciated.

LexieLou

Hi Trish,

I sent mine off to Barclaycard, but I haven't had any response and the deadline for them to respond was Monday. I'm allowing them a few days grace due to bank holiday. 2nd letter off to them tmmw.

LL xx

Bumear

My deadline was on Thursday but I got a letter from Barclaycard today offering me more than the full amount. I would give them a ring as they have been quite helpful under the circumstances.

pressandgo

Re my Cap One claim - deadline for reply to second letter is Tuesday - as yet no reply. About to go to next step - Court?? but unknown territory. Will read up but If anyone can please post.

John

lush1

pressandgo wrote: »

Re my Cap One claim - deadline for reply to second letter is Tuesday - as yet no reply. About to go to next step - Court?? but unknown territory. Will read up but If anyone can please post.

John

hi press and go, just to update you, i wrote to cap 1 twice before recieving a reply, sent a third letter and have had reply to my second basically repeating what they said in first letter, today however had a call from them and they said they had sent me out an offer letter in april (i never recieved) but i told them on phone today would not be accepting there offer and could they please give me there final response.......she put me on hold and then came back and said they would revise the offer but couldnt tell me on phone how much......so am now waiting for that in writing and to see if its reasonable off i may be able to avoid court. Stick with it.