Credit Card Reclaiming Discussion

melvis

19donna82 wrote: »

I think you can, I am!!! I've just sent my first letter hopefully I'll hear something soon, if i do, I'll post it on here to let you know!

good luck!

Thanks, I've printed my first letter to Egg today and have requested they send me a cheque and not credit any monies owed to me to my credit card but just wanted to check as the card has now been sent to a debt collection agency.

Cliffo78

Hello - I could do with some help please????

Last year I managed to get just over £5000 in bank charges back from LTSB over 2 accounts which I was more than happy with via MCOL - all thanks to Martin

At the moment I am claiming almost £500 back from a LTSB credit card that I no longer have (since June 2006) I have written the standard letters to LTSB and this time have decided to use the FOS to get it back, I have had a letter from the FOS saying they have written to LTSB asking them to issue their final response to me within14 days (giving them until 17th June) and I will hear back from the FOS upon receipt of a final response or when the 14 days expires.

Is this a normal thing to do? I know that LTSB are complete nightmares and thay they will do anything to not pay you back but am soooo not scared of them now after getting a HUGE victory over them on the current accounts but have not used the FOS before and don't know what to expect.

If anyone can offer any help/advice/reassurance it would be appreciated.....

eirelav1962

i have charges with monument for 1112 they have offered me 551 have of the amount dont know wether to accept the offer or not as i have never done this before any advice would be helpful

iwanttosavemoney2008

eirelav1962 wrote: »

i have charges with monument for 1112 they have offered me 551 have of the amount dont know wether to accept the offer or not as i have never done this before any advice would be helpful

dont you are entitled to the full amount but if you need the cash it can be tempting

19donna82

melvis wrote: »

Can I still reclaim my over limit/late charges if I've defaulted on the credit card and there's still a balance outstanding?

hiya well now i know the answer! yes you can! i've had my first offer off Barclaycard today offering me £372.00 of the £1312.83 that i asked for which is the difference between the charges I occured and the current £12 fee, plus 8% interest.

so I'm going to the Financial Ombudsman to help me get the lot back because i was getting charged for going over my credit limit but the only reason i was going over my limit was because they kept on adding charges! i wasn't spending a penny!!! (i was just late sending payments! oops! )

so go for it and good luck

masseeh

CRAZY!!!

Right, here is the timeline of events (HSBC credit card)

1) sent letter requesting repayment of £162.98 (£136 charges + £26.98 interest)
2) got declined
3) sent second letter threatening court action and saying I would accept a settlement without interest.
4) got an offer of £75.50, which HSBC claimed was a 50% reduction in fees (hmm)
5) £75.50 got paid into my account
6) Sent a third letter saying I intend to claim the rest of the money through the courts (£87.48)
7) Got a third letter saying they would agree to pay a further £184.10!!!!


So this means I claimed £162.98, and they are paying me £259.60, crazy.

I havent had the second payment yet but it took a few days last time, will keep you posted.:money:

dazzaofdagenham

After totalling up my Barclaycard fees for the last six years i sent them the letter claiming it all back.

Total amount claimed was £493 inc interest.

Checked my card statement just now and for some reason they have paid me
£144 in late payment fees and £11.52 in interest...credited to my account.

Not sure how they came about these figures but hopeflly something in the post soon ?

Darren

mlucyminx

dazzaofdagenham wrote: »

After totalling up my Barclaycard fees for the last six years i sent them the letter claiming it all back.

Total amount claimed was £493 inc interest.

Checked my card statement just now and for some reason they have paid me
£144 in late payment fees and £11.52 in interest...credited to my account.

Not sure how they came about these figures but hopeflly something in the post soon ?

Darren

Hi Darren,

I had the same thing with barclaycard. Payment went in my account on 29th may. got letter on june 5th.

After reading some of the threads regarding barclaycard I have written back accepting the amount as a part payment towards full amount and asked them to pay remainder of claim or I will take to court. dont forget you have to state "Without prejudice" on your letter though.

the other people who say they have done this have received full settlement.

Just a note though. barclaycard dont pay 8% interest from date of charge they pay 8% interest of total balance.

pamril1

I've been claiming from capital one for £220 plus interest.
Today I have received a letter offering £136 as a good will payment plus £10 for any interest that may have occured.
Would you snap their hands off and head for the hills or would you ask for an increase in the interest repayment?

RUSHDOO

Hi

This has probably been asked a million times. But Barclays has just made me an offer, however I want to try for the full amount. I know I have to mention without prejudice when I write to them, however is there a template letter for this anywhere?

Thanks