Credit Card Reclaiming Discussion

showmethemoney76

i got 2 cheques in the post today from mbna for my claims on my 2 old credit cards accounts.
i claimed £475.66, they sent cheque for £136.61 and the other claim was for £787.99 and they sent cheque for £218.55.

How do i go about claiming the rest as in my initial letter before their offers i asked for the full amounts.

has anyone got a letter i can use to claim the rest owed.

Edinburghlass_2

Have a read of this thread for pointers ...

http://forums.moneysavingexpert.com/showthread.html?t=434975&page=5

Edinburghlass_2

kbw271186 wrote: »

I have spoken to the FSO and as it is a claim for compensation you can request the payment in any form i.e. cheque or offset against your balance.

If the company takes it on themselves to offset against the balance, I was advised to refer the case to the FSO.

Two different replies from the FO to MSE Wendy...

I've just called the FOS press office who has said that yes the consumer has the right to ask for the money to be refunded how they want it.

However, she also thought that the bank could come back and say no, and is checking where consumers stand when this happens.

and the second, in my opinion, covers what you call compensation....

"I have checked with a colleague who has said that in fact when a bank or credit card company are refunding the full amount of charges they are generally able to pay it into the account that incurred the charges. The logic behind this is that generally when resolving disputes if we uphold a complaint we would ask the firm to put the consumer back in the position they should have been if things hadn't gone wrong. Therefore, if we found a charge should not have been applied or a bank or credit card company has offered to refund the charges they can generally re-credit the account the charges were applied to."

Edinburghlass_2

GirlieSurfer wrote: »

Can anyone tell me if banks have to keep details of your account, i.e. be able to produce statements, for a certain amount of time by law?

My husband recently requested details of 2 credit cards he held with Barclaycard to see if he had any changes he could claim back and they have written back to say that they cant trace his account. He provided them with full name, current and previous addresses, date of birth and date both accounts were opened and closed (although he doesnt have account numbers). Can they really wriggle out of it by saying they cant locate his account details?

Thanks in advance!

GirlieSurfer

Write back and tell them you will report them to the Information Commissioner if they can't provide the information you require.

nova

johnsmiffy wrote: »

Hi everybody,

Thought I would shout from the roof-tops that I have been successful in getting a great refund from the Bank of Scotland today.

Claimed £195 + £69.67 interest.

Initial offer good will guesture of £87 - phoned, and asked if they could do better! Followed up with a letter.

Received a call today asking if I would accept as a "guesture of good will" £195 + £69.67 = the full amount!!!

Yippee. Paperwork in the post.

Thanks Martin, and everybody else who has posted. I would have given-up at the first hurdle if I hadn't read through the posts.

Now for the others - bring them on...

Hiya, Well done on your refund its great to geta victoury isnt it? Can you let usknow how you get on with creation, l asked for charges and got statements back form a different card (delaytactics l expect) then l spent 2 days trying to contact them on the no. they gave me for their ..legal dept.but with no answer,so have had to ask again for charges,this has made me even more determined to claim and if they say sod off lm taking them straight to court. will keep you posted.

linniestorm

Just received a letter from the FOS saying I'm going to be getting a refund from Mint £240.82!! Hurrah! Now I just have to keep tackling Capital One, it's only £48 but I want it back, I think they may prove a bit more problematic!

Chrissybh0y

Well im reclaiming AGAIN , against Lloydz TSB, but this time i wanna claim my creditcard changez with the same bank, Do i have to send 2 letterz? or pop both account numberz on the same letter ?

Thank You

Frankie_Bhoy

Frankie_Bhoy wrote: »

Hi, Quick Question.

If you have been charged £12 for going over your account, can you claim this back?

I have written to MINT using the templates. I have sent letter 1 and 2 so far and been fobbed off? They say there hasn't been any charges to my account over £12 so I will not be getting my money back =|

Please advise my next step and will I be able to get this back?


thanks

Can somebody please reply

linniestorm

Well most of my charges were pre- the switch from £30 to £12, and at first they tried to fob me off with the difference. Thing is, if you're going with the view that all charges are punitive, and therefore wrong (which I think is the general idea) then you should be wanting it all back. Therefore the letter you've had is more of less the same as I had initially, offering me the difference. The letter I received back from mint mentioned, 'this is a final response' or some similar sentence in it, do any of yours? That is the golden sentence which means your next step is to refer it to the financial ombudsman for them to investigate, martin has some templates for doing that on the site.

Frankie_Bhoy

linniestorm wrote: »

Well most of my charges were pre- the switch from £30 to £12, and at first they tried to fob me off with the difference. Thing is, if you're going with the view that all charges are punitive, and therefore wrong (which I think is the general idea) then you should be wanting it all back. Therefore the letter you've had is more of less the same as I had initially, offering me the difference. The letter I received back from mint mentioned, 'this is a final response' or some similar sentence in it, do any of yours? That is the golden sentence which means your next step is to refer it to the financial ombudsman for them to investigate, martin has some templates for doing that on the site.

thanks 4 the reply

yes both letters said 'this is a final response' I will get in contact with the financial ombudsman ASAP.

Thank youuu =D