Credit Card Reclaiming Discussion

reecekari

Dear All apologises if this is wring forum just need some help please??

Need a little advice and help on this one please!


Its rather long tail of woe!! But pls bear with me.

Back March 7th 2012 I transferred a balance from my Halifax card to my Barclays. I was a bit concerned from the call centre when they did this as they really didnt seem to know wat they were doing anyhoos some days later this had not gone through so I called back and it had not been done. It then was processed.

I cleared off the Halifax card by 3.5K as I was off to get hitched in South Africa and my wife and I were goin to use this card as our main wedding card.

2 days before flying out to SA on the 21st April I get letters and statements that Im 3.5K over my Barclaycard limit!!!?

(In between this time I had traveeled out on x2 Stag do's and had. heavy commitments)

This was x2 days before flying out for5 weeks to get wed in SA and I really did not need this hassle or shock!

I called Barclays who said ok they were putting the payments and interest on hold and that if I was to make a complaint now they would deal with it in 30days and I would have to be in the country to progress it but I wont be and so they would close this as being resolved (as it could not be left open till I came back) but on my return I neded to contact them asap. Unfortuneately I was delayed in SA and did not return till 1st June.

Upon return it turns out that I had been fed wrong advice my complaint could not be dealt with but needed to be escalted and was already over the 40day limit.

Since then Ive been chasing Barclays with a resolution virtually everyday!!! Being told we sympathaise, I wouldnt take this aswell as you I'd have gone to ombudsman a long time ago blah blah!

They said they will put me back in the situation I should of been due to their mistake but I said due to the time you cant do rhis and to do a recall now would place me in more of a financial distress due to know fault of my own because of the spend on rhe Halifax card.

I asked that if a return had to be done can I be told of this so that maybe I can deal with rhis in a different way (potentially a stooze into MBNA card!!) I asked for a resolve asap as my offer on MBNA was only up to 30th June 2012 this came and went despite me being asssured they will try and resolve this in letteres and phine calls before this date (one letter received on 20th June said they would resolve by the 15th May 2012!! Barclay card has a TARDIS!!).

Anyhoos Ive chased them everyday asking for a call being told Ive been called but no miscall on my phone!! Also fiven my email address to be then told days later due to security they dont have an outgoin email facility!!!!!!?

A note was read out to me saying this desicated complaints chap tried to call but did not get hold of me (rubbish) and that they will have to do the recall!! Despite me expressing that I need to know about this before they attempt this! Then I spent a week of calling daily to find out if (as it was ambiguous by the note!( to see if the recall had been dine or not!) no one could tell me this or check my balance!!!! They dint have access to my card!!!!?

My options for resolve were:
1.Write it off (as cant put me back in same position its there fault and thought go for broke Diamond did!!)
2. Extend credit limit and put this on 22months 0%
3. Compensation re time, calls, interest payments charge and late fee! Plus the interest payments charges that I would not of paid as I was on 0% but this was forgone as a was placed over my agreed limit! So far Ive made x2 payments of £160!!
Underlyining this repair my obviously damaged credit refs!!

Today I received a letter from Barclays (and ine from Halifaxx)
Barclays are asking for more time as they havent finalised their final response and would prefer to before I go to the ombudsman, till 18th July!! The Halifax was can I contact them as they have received a request from Barclays in the 6th July!! To do a recall! What a cheek they could inform me or give me the coutesy or option to resolve my finances they way I wanted to with MBNA!!

What I wanted to ask was canI say to Halifax dont accept the recall or would the show me in a light to the ombudsman as being obtrusive? What Id like to di is persue a complaint thriugh ombudsman plus try and manage my financial arrangements the way I want to potentially wirh MBNA as there maybe another offer they can give me. Its hust to them do this with Halifax I'll have another fee charged, plus a fee frim MBNA!

Sorry its all getting rather complicated!! Plus really annoying!

Any help would be gratefully appreciated thank you for reading

Peace

Reece

alwaysmugged

hi
i am just about to claim back late payment and over limit charges from Barclays.
What i don't understand is why some claimants managed to get even the £12 charges back.
They are still charging £12 a time now.so what exactly is the correct charges.

Nikita_st

Some people can claim back even the £12 fees as they can still be deemed as unfair and not an actual reflection of the real adminstration charges incurred by the bank when you default your account.

I put in a claim just about a week ago with Natwest Credit Card and ive not heard back yet. Most people posting on here seem to be referring to other cards so itll be interesting to see what response i get.

The 2009 letters in the template are still very much viable to use although i made a slight addition to my first letter to include the following:

[FONT=&quot]I am sure you are fully aware that the OFT test case was only in relation to current accounts and that this claim is in relation to my credit card and charges incurred during several periods of financial hardship. With this in mind I look forward to a full response to this letter within 14 days[/FONT].

The financial hardship i refer to includes several periods where i was unemployed when they charged my account. Apparently this makes your case stronger so theyre less likely to just dismiss it but you have to be able to prove your financial hardship if they ask for it, you cant just say it. The test case i mention is to prevent them from writing back and stalling by claiming i have no case. The test case was only in relation to bank account charges not credit card.

alwaysmugged

So if people are getting the £12 charges back as well,what can the banks charge them for penalties in the future?

smallbutjolly

Hi very new to the forum (today),Ive sent the template letter to aqua and today received a letter from their customer services which informs me that section 78 only applies during the lifetime of the agreement, as the account is closed there is no longer a regulated agreement between us and as such are unable to provide the documentation I requested which was copy of the agreement and T and Cs that where applicable at the time. Any help as to where I go from here, Many thanks.

laini69

Has anybody been successful in claiming from tesco credit card or vanquis x thanks in advance

laini69

Has anybody been successful in claiming from tesco credit card or vanquis x thanks in advance

laini69

Sorry for posting twice haven't been on here for a while x

confuzzald

Hi guys!

As the above suggests I had a card with Cap One which had charges applied late 2003 early 2004. At the time I was in great finan cial difficulty having made a very bad investment choice which left me struggling to pay my debts. Due to this my Cap One (along with various others) were transferred into a debt management scheme.

My question is, is there a case for reclaiming charges over 6 years if they have been put into an existing debt management program? Also where do i stand with the whole "I was in financial hardship and your charges didnt help etc etc"?

I know technically that is two questions but I thought what the hell.

Any advice/help/guidance would be greatly appreciated!

Thanks

Little_Mo_70

confuzzald wrote: »

Hi guys!

As the above suggests I had a card with Cap One which had charges applied late 2003 early 2004. At the time I was in great finan cial difficulty having made a very bad investment choice which left me struggling to pay my debts. Due to this my Cap One (along with various others) were transferred into a debt management scheme.

My question is, is there a case for reclaiming charges over 6 years if they have been put into an existing debt management program? Also where do i stand with the whole "I was in financial hardship and your charges didnt help etc etc"?

I know technically that is two questions but I thought what the hell.

Any advice/help/guidance would be greatly appreciated!

Thanks

Two answers then:rotfl:

I doubt they will consider claims for more than 6 years ago and I'm not sure if 'making a bad investment choice' would be a strong enough basis for claiming even if it did cause you financial difficulties.

Check out the advice on here :
http://www.moneysavingexpert.com/reclaim/credit-card-charges