Credit Card Reclaiming Discussion

King_Weasel

wendywitch wrote: »

I don't have a card anymore (the account's overdrawn), that's what I'm saying. I'll never see the money. They are basically giving it to themselves. I know it's coming off what I owe them but I'm paying that off anyway!!

Ah, that puts a different complexion on it, wendywitch. At least they've saved you the trouble of paying off the debt yourself. And you're still better off.

selimap

I'be been caught by the £12 fee a couple of times (Sainsbury card), usually for being extremely small amounts (pence or < £20) over the credit limit for a short period. This happened because I was taking advantage of a 9 month interest free on purchases offer. Of course, I ran the card up to close to the limit. But then a delayed item came through i.e. I had authorised it in a previous month, for some reason the charity concerned didn't collect for 6 weeks. So the saving on keeping my money earning interest in a svaings account till I needed to repay the full balance was eroded.

It's a real rip off to charge fees like that without any warning. Credit card companies earn merchants' fees on every transaction, I never defaulted on a payment (which would be reasonable to charge for, I think).

sm222

It's a real rip off to charge fees like that without any warning.


Excuse me, "without any warning"?

I'm sorry to sound like the opposition, but the warning is in the terms and conditons you sign up to before you get to spend 1p, and on every statement you get.

We may be arguing the amount that's charged, and possibily the aggression with which the rules are applied, but please don't wine because you signed up to rules without reading them.

Sventhevolvo

I challenged their charges when they took me to court...neither party turned up & the court threw out their default case. The card bill went away with the case>>

mishnewclaimer

I am currently re-claiming natwest credit card charges totalling £323 this is made up of 11 £20 charges the rest is £12 charges and interest.I recieved an offer of £88 -the difference between the £20 and the £12.I sent back the *accept without prejudice* letter.Today i recieved a phone call from natwest credit cards telling me that £88 pounds has been credited to my account along with a futher £7 interest,the lady said that this was all they were prepared to do.Any advice on what to do next would be greatly appreciated.

synseal

Hi I have searched the forums and I am struggling to find out where to send my charges reclaim letter, I have seen the quote on the previuos pg saying where to send it for the SAR but i have already got my statments, this letter is asking for it back. Any help welcomed and thanks in advance!
Its for Lloyds tsb.

Update is this the right address
LLOYDS TSB BANK PLC
25 GRESHAM STREET
LONDON
EC2V 7HN

sfinch_3

can some one please tell me is there a 40 day follow up reminder letter as i have not hear
d a thing from capital one and goldfish and it is way over 40 days now, many thanks sarah

wendywitch

King_Weasel wrote: »

Ah, that puts a different complexion on it, wendywitch. At least they've saved you the trouble of paying off the debt yourself. And you're still better off.

You sound just like my mum!

I guess I have to think of it that way (worse luck, kind of spent it in my head).
I've paid off £798.86 of my debt and it only cost me £20 :rolleyes:

clanger69

scabbers wrote: »

I just got back £351 in charges from Capital One. I never want another credit card!

Hi

How come you did and i didn't?

All i was claiming was £155 and they have said 'no way' and it's their final response.

Now going through the FOS.

kats9lives

clanger69 wrote: »

Hi

How come you did and i didn't?

All i was claiming was £155 and they have said 'no way' and it's their final response.

Now going through the FOS.

i virtually got a no way too. tried claiming £296 and they offered £88! very generous. after i declined still asking for the full amount they told me £88 is all i'm getting and i shouldn't waste the courts time. NICE!! so i too have reported to the FOS.