Credit Card Reclaiming Discussion

dearbarbie

Hi - back in 2001 I had a credit card and incurred a few late payment fees etc. In March 2005 I had a letter from a debt collection agency saying that they'd been passed the debt (almost £500 on a £250 limit card) which I luckily was able to pay straight off. Anyway, was wondering, although that card is closed, am I able to get information for, and claim back these fees from this card I no longer hold? Thanks!

<!-- / message --><!-- sig -->

ladyred1

i am a newbie so please accept apologies in advance. recently followed site and reclaimed £4518 from lloyds bank in bank charges so now going for creit cards! however i had 3 and sad to say i defaulted on them -lloyds platinum card and they took me to court and i pay a ccj every month for that and the other 2 were capital one cards and i pay a debt agency monthly minimum amount for them. therefore can i start the process for recovery of charges or wont it be apppicable to me. ?

princeayo

I am a little confused on how I would go about this claim.

The amount I am owing on the credit card is (to date) £776.17 (this includes the credit limit which was £250)

I have paid (since the time I went over the limit in 2004 till 08/10/07) 553.37.

the Over limit fee I have been charged is £288 (12 x £24)

The Late payment charges have been £264 (11 x £24).

This card has been cancelled and destroyed since about 2 years ago, and if you wanna know it is with Monument.

Could someone please help with how to get the sums and do this claim.

Thank you

Edinburghlass_2

dearbarbie wrote: »

Hi - back in 2001 I had a credit card and incurred a few late payment fees etc. In March 2005 I had a letter from a debt collection agency saying that they'd been passed the debt (almost £500 on a £250 limit card) which I luckily was able to pay straight off. Anyway, was wondering, although that card is closed, am I able to get information for, and claim back these fees from this card I no longer hold? Thanks!

<!-- / message --><!-- sig -->

If you don't know the account number then send the bank your name, any relevant addresses and your DOB and they should be able to trace your account.

Edinburghlass_2

ladyred1 wrote: »

i am a newbie so please accept apologies in advance. recently followed site and reclaimed £4518 from lloyds bank in bank charges so now going for creit cards! however i had 3 and sad to say i defaulted on them -lloyds platinum card and they took me to court and i pay a ccj every month for that and the other 2 were capital one cards and i pay a debt agency monthly minimum amount for them. therefore can i start the process for recovery of charges or wont it be apppicable to me. ?

You can claim back any late payments and/or over limit fees but be aware any monies reclaimed will go towards any debt held by the bank, this of course will reduce the debt you owe them.

Edinburghlass_2

princeayo wrote: »

I am a little confused on how I would go about this claim.

The amount I am owing on the credit card is (to date) £776.17 (this includes the credit limit which was £250)

I have paid (since the time I went over the limit in 2004 till 08/10/07) 553.37.

the Over limit fee I have been charged is £288 (12 x £24)

The Late payment charges have been £264 (11 x £24).

This card has been cancelled and destroyed since about 2 years ago, and if you wanna know it is with Monument.

Could someone please help with how to get the sums and do this claim.

Thank you

You can claim back the 12 x £24 and the 11 x £24 which will go some way to reducing the debt you owe on the card.

nothingwitty

Hi
I was in the process of taking Barclaycard to court re: credit card charges. I started the process about 6 months ago - Barclaycard put forward a defence and I looked forward to my day in court...

The other day I got a letter from Court saying I would have to wait for for bank charges investigation to come to a conclusion before the matter could move forward - even though my claim has nothing to do with bank charges. Have had a look on threads and cannot find anyone else who has encountered same problem. Could someone direct me? Many thanks

Edinburghlass_2

If your claim has been stayed then you need to follow Martin's advice from the article You Case Has Been Stayed....

http://www.moneysavingexpert.com/reclaim/credit-card-charges#step5

princeayo

Edinburghlass wrote: »

You can claim back the 12 x £24 and the 11 x £24 which will go some way to reducing the debt you owe on the card.

Thank you for the answer, but what about the money I have paid. I have about over £500 payment on the card and if I claim just the fees, I will still be owing about £200.

So will I still have to pay the £200+??

SwingsNroundabouts

princeayo wrote: »

Thank you for the answer, but what about the money I have paid. I have about over £500 payment on the card and if I claim just the fees, I will still be owing about £200.

So will I still have to pay the £200+??

I would say yes, as it is still debt that you owe them from spending, as opposed to debt brought on solely by the charges.