Credit Card Reclaiming Discussion

Jvic28

brunettegirl wrote: »

Has anyone else had their limit lowered after recieving refund?? Barclaycard have lowered my limit by £150!! No letter, no email, no call they just lowered it, only found out by chance when i logged onto my account. I couldn't switch providers as I was declined

Yes, this happened with my Sainsburys Bank Visa. My credit limit changed from £400 to £100 and they didn't tell me. I found out after calling them to find out why I couldn't use my card. Grrr! Probably a blessing in disguise though!

dearbarbie

mon1o wrote: »

well have heard from mint today. they are not going to pay me my money at all apart from the amount they have agreed which is the difference between the £20 and £12 charges. So im going to either file a claim with the FOS or MCOL but im not sure which one is best? Any ideas?

i just got the same letter from cap one - i asked for £1k + £500 interest.

They offered: £400 + £30 interest (shocking interest there!!!! should be more than that)

really not sure what to do next, if i ask for more am i at risk of them refusing to pay what they offered me in the first place? very confused. do i sent the 3rd 'without prejudice' letter? really dont want them to change their mind and go 'nah, you're getting nothing now' but i think 2/3 of what i requested sucks

REDMADCURLS

Dearbaribie
Accept the £430 'without prejudice' and ask for the rest - you have nothing to lose!
RMC

PS Just for my own reclaim - did the amount claimed include £12 charges

dearbarbie

REDMADCURLS wrote: »

Dearbaribie
Accept the £430 'without prejudice' and ask for the rest - you have nothing to lose!
RMC

PS Just for my own reclaim - did the amount claimed include £12 charges

thanks, i am claiming for charges of £20 and £18, they offered me the difference therefore amounts of £6 and £8, plus an offering of interest. if that makes snese?

dearbarbie

dearbarbie wrote: »

thanks, i am claiming for charges of £20 and £18, they offered me the difference therefore amounts of £6 and £8, plus an offering of interest. if that makes snese?

i've sent a response back, the without prejudice one saying i'll accept £1400 instead of £1500 i asked for, otherwise going to court. prob a bit much but y'know. dont wanna go court route tho think i'll go FO if it come back saying no. court sounds scary!!!

abigailmay

Hi,
I used the first template letter to ask for credit card charges back from Barclays, which go back to 2002!
But I have had no reply after prob 3-4weeks, what should I do if I haven't even had a reply?? As the reclaiming guide only has info on if the bank comes back to you and won't pay!!
Should I just send the letter again??

REDMADCURLS

abigailmay wrote: »

Hi,
I used the first template letter to ask for credit card charges back from Barclays, which go back to 2002!
But I have had no reply after prob 3-4weeks, what should I do if I haven't even had a reply?? As the reclaiming guide only has info on if the bank comes back to you and won't pay!!
Should I just send the letter again??

You could phone their customer services dept or send the letter again registered!

RMC

Wheels

I had 5 credit cards but, through no fault of my own, could not keep up payments on them and had numerous charges. I have since had to take out a loan to pay these cards off because of the threats of court actions. My problem is that I have got rid of the cards and all statements i had so I do not know the account details to enable me to claim charges back. Does anyone have any advice for me on how I proceed?

Scruffy_Duffy

Hi

Could anyone advise me on the following please.

I have a 0% purchases Mastercard with Halifax for 'stoozing' purposes. I was nearing the limit on this card but my wife went out shopping and bought something that took me over my credit limit. As a result, Halifax have said they are charging me interest on my entire balance and are withdrawing the 0% deal with immediate effect.

What I'm really interested in though is why they allowed a payment to take me over my credit limit without either refusing the payment or checking with me first. Have they acted fairly in this respect?

Thanks

lilac_lee_2

I was wondering if anybody has any contact telephone numbers for the Royal Bank of Scotland, card customer services team in Sothend-on-sea. I complained to through the fos regarding bank charges but have not yet heard anything from them. I thought if i gave them a call to see what was happening might speed them along. This is what i done when i claimed back my bank charges and seemed to work, however i don't have that number any more.

Thanks in advance