Credit Card Reclaiming Discussion

dearbarbie

sm222 wrote: »

Provider - MBNA (2 Credit Crads - 1 now closed)
Amount reclaimed - £130.09 (97 fees, 33.09 interest) & £271.02 (222 fees, 49.02 interest)
Amount they paid - £130.09 & £271.02!

7.2.08 - wrote to request statements
11.3.08 - issued claim letters
9.4.08 received offer of £37 (difference between fees paid & £12 per fee)
11.4.08 received offer of £78 (difference between fees paid & £12 per fee)
11.4.08 - wrote to say I would continue to pursue the full amount.
£37 & £78 received by cheque/credited to existing account.
Today!! Received letters offering a further £93.09 and £193.02 - making the full amount claimed!!

Thanks Martin - what would we do without you?!
:j :beer: :T :rotfl: :j

woah that was quick!! i have been waiting 9 days since i sent my letter with list of charges, fingers x'd!

REDMADCURLS

Hi

Dh has credit card with MBNA, which initially he took out with Bank of Scotland - today got list of charges from MBNA (not the statements I requested) all charges are for £12 - which I am not sure I can reclaim - any opinions - please

However my main issue is that they have only sent charges from 2006, which is when they took over from BoS i think - does anyone have address for BoS or had a similiar issue, i.e. cc bought over by another compay - I would have thought they bought over all exisitn client details - previous statements etc too.

If anyone has any experience of this, what to do about £12 charges or indeed just addy of BoS I would very much appreciate it.

Thanks
RMC

PS Typing with no glasses on so apologise in advance for spelling mistakes!

sparky0107

Afternoon All,
I'm trying to reclaim CC charges from Lloyds TSB, now at the start of court proceeding stage, does anyone know if LTSB actaully pay up before going to court.

Thanks in advance for any help

mon1o

couldnt say sp[arky hun sorry just wanted to wish you luck. im at the same stage with Mint just unsure whether to wait until i get the letter from them telling me they wont pay up or proceed with my court claim (they rang me yesterday and said they arent paying me anymore!)

princesscindernatalie

Hi can anyone help me this is my first ever post so be gentle. I have just stumbled across this and have dug out my recent credit report I have been over the limit with Barclaycard 27 times between may 2003 and Jan 2006 according to my report could anyone tell me what they charged per time so i can look into how much I may be entitled to. Thanks for any help.

mon1o

you need to look at the credit card charge reclaim article. The first step is to send the letter to them asking for your statements for the past 6 years. The statements will tell you their charges.

Hope this helps
Monica

gartshore

MSE_Wendy wrote: »

This thread is to specifically discuss the new

CREDIT CARD RECLAIMING article.

To discuss or ask a question about this article: click reply

To report your credit card success: use this thread

To discuss original bank charges reclaiming: use this thread

i am currently reclaiming from a number of card providers some of you will know companies like mbna & barclaycard operate under a number of card names , to cut a long story short & to quote an example i am claiming on a barclaycard & an old monument card both claims have been replied to on barclaycard letter headings from the same office & department signed by the same person , do i have to send two ten pounds or should i send one ten pound treating it as a multiple account claim ?

Shazand

I have wrote to Littlewoods regarding account charges, after receiving a typical 'we believe are charges are lawful' I went to the Financial Ombudsman.

They wrote to me this week stating that Littlewoods have not submitted their final response but would do so within 14 days.

This morning I received a letter from Littlewoods stating that their charges are fair and justifiable ! :mad:

Now the bit in the letter I don't understand is that because my complaint is in relation to an event before 6th April 07, I am unable to refer my complaint to FOS as they are not a member of a Dispute Resolution Service until this date.

Is this true or are they trying it on ? We have loads of problems with Littlewoods including them not letting us cancel insurance on the account !

Has anyone else been in the same situation or offer any advise ?

Shazand

Can anyone help on the above as I am really not sure what to do next.

Sooboo

I am currently sick and receiving a large monthly payment towards my HSBC credit card balance. I think I was probably mis-sold the PPI policy years ago. If I put a claim in for mis-selling does anyone know if I have a leg to stand on since they are now paying out on this policy.
Thanks in advance