Credit Card Reclaiming Discussion

OwtForNowt

mon1o wrote: »

Owtfornowt yes you can reclaim these. If you still have your cc be aware the amount you reclaim will more than likely be added to your card and reduce your balance but you will still be benefiting azs your debt will be reduced. If your account is settled you should receve the payment by cheque/bank transfer.

Hope this helps
monica x

Thanks. No i dont still have my credit card as the HSBC sold the debt to a collection company so they now own the debt. Will the amount be ataken off the amount i owe the collection company?

Diane_M

i got my credit card from the abbey, but the paying in slip on the bottom of the statement says the bank is co-operative and account says MBNA LTD so who do i send my letters to when asking for my statements for my back charges is it abbey, co-operative or MBNA hope you can help thanks Diane M

mon1o

owtfornowt i think that it will be taken off your existing balance. Like i said though it will still benefit you because it will reduce the amount you owe. However as it is HSBC you will be claiming from (even though the debt was sold) they may send you a cheque but i am not certain. Your best bet would be to get the ball rolling, ask for your statements etc and see what happens.

masseeh

hey guys
Anyone dealt with HSBC credit card reclaiming before?

HSBC charged me £136 so I asked for £163 (interest added)
Got a declined letter.
Sent a second letter threatening court action.
Got a letter offering £75 to settle:T, they advised going to FOS if I am unhappy.

Has anyone gone further with HSBC?

kirsty000

Ive just recieved my statemennts for my credit card and all my charges for late payments / over balance fee is £12, am i able to claim these back? Its with capital one. Are they likely to pay or do they just usually pay the charges of over £12?
thanks

wilf55

push harder and harder from my exp with cc and bank charges with hsbc they will eventually cave in and pay

nothing to lose

masseeh

wilf55 wrote: »

push harder and harder from my exp with cc and bank charges with hsbc they will eventually cave in and pay

So I should send another letter or go to court/FOS? what did u do at this stage with hsbc?

thanks for advice btw :money:

mon1o

Masseeh just wanted to say congrats on at least getting a response from them!! I have sent the letters (and threatened court action!) and i havent even got a reply! Going to call them now i think. I would go to the FOS if i were you. i have called them about GE and Mint and they were more than helpful.

Monica x

shaunybabe1

Hi, can anyone help me? I followed Martins steps to reclaim bank charges by calling the credit card company and asking for my statements. Martin states they can not charge more than £10 to do so.

However when I rang MBNA they quoted me £4 per individual statement I require.
Is this lawfull? and if so is there a way around it???

(internet banking allows you to go back 1 year but I require several more years worth)!

sparklegirl_3

<TABLE id=HB_Mail_Container height="100%" cellSpacing=0 cellPadding=0 width="100%" border=0 UNSELECTABLE="on"><TBODY><TR height="100%" width="100%" UNSELECTABLE="on"><TD id=HB_Focus_Element vAlign=top width="100%" background="" height=250 UNSELECTABLE="off">Hi guys
hope this this is the right place to post
although i havnt posted i have read lots about claiming unfair charges and Payment protection
i want to thank you call as have sucessfully claimed over £150 from simply B
and more importantly STUDIO 279.00

i wasnt in debt with any of them but had paid lots of charges and payment protection over the years

im over the moon and its all thanks to all that have placed their advice on here

thank you so much!
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