Credit Card Reclaiming Discussion

mlucyminx

RUSHDOO wrote: »

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

Hi rushdoo,

I used the second template letter and just edited it at the without prejudice part, saying:-

The charges i have claimed above total £*****. However i am prepared to accept your offer of £**** plus 8% interest as a part payment towards the amount I am claiming and I therefore ask that you pay me the remainder of the balance.

I look forwad to a full response to this letter within 14 days, otherwise I will commence court proceedings to reclaim my money.

Now i only sent this letter on 5th June and havent yet received a response from them but they tend to answer in about 10 days.

Hope this has been of some help to you

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

just a quick update darren.

After sending second letter to barclaycard they refunded me some more. worked out about £150 less than I asked for but got majority. original claim was for over a thousand

dazzaofdagenham

After Barclaycard credited my account with a part payment it appears they have reduced my credit limit to half of what it was.

Queried this via there website and got a standard response..Account activity, previous conduct..credit elsewhere blah blah blah.

So appears they are being a bit vindictive...

Gonna bash another letter out today claiming the full whack..

Darren

mlucyminx

dazzaofdagenham wrote: »

After Barclaycard credited my account with a part payment it appears they have reduced my credit limit to half of what it was.

Queried this via there website and got a standard response..Account activity, previous conduct..credit elsewhere blah blah blah.

So appears they are being a bit vindictive...

Gonna bash another letter out today claiming the full whack..

Darren

This seems to be happening a lot darren. cap one stopped my card when they received letter. my claim with them has gone to fo

KCAlloway

I have finally gotten around to contacting my credit card company for credit card statements for last five years and they have charged me £40 for this - I thought maximum was £10?

Any advice!!

Shazy73

:mad: Last year i successfully reclaimed over £1200 back from MBNA and Capital One in charges, i have recently noticed that MBNA are still charging me £12 in late fees even though they take through Direct Debit every month. Does anyone know if i can claim these back aswell? I need this sorting as it is affecting my credit rating.
Many thanks for any replies i receive.

moomin82

I wrote to Barclaycard to reclaim £450.30 charges including interest.

They have written back offering only the difference between charges that I have incurred with the current £12 fee, amounting to £136.00 plus 8 per cent interest.
They have said it will be credited to my next statement.

I want to try for the full amount though. What is the next step I should take? Is there a template letter for this? They say I am eligible to take it to the Financial Ombudsman, is this the right time to do so.

Many thanks
C

kvt1983

I phoned Capital One and asked for my statements, which they didn't question the reason why I wanted them. These came within a week of my request, and I sent off a letter requesting a refund of charges the same day. I gave them 14 days to respond, and exactly 14 days later an offer came back to me. OK - I was only asking for £70 in charges and they offered me £32 which I accepted. If I was asking for more I'd probably have stuck it out but considering I've found Capital One to be a nightmare in the past, I was pretty happy with this.

:j

manc

Hey everyone,
I made a claim against Barclaycard and Cap One in summer last year. The amount I claimed was roughley £800 from each and within a few weeks I got a part payment from both of them. I sent them letters saying I would accept this as part payment but would persue the rest.

Fast forward a tough year (moving about/ not much cash to spare to take it to MCOL) I never got round to claiming the rest of the money.

They still technically owe me £500-£600 each and wanted to know if there is anything I can do? I never said I accepted the totals as full payment- just a part payment .

HELP!! (Could really do with that money now!!)

Thanks

19donna82

moomin82 wrote: »

I wrote to Barclaycard to reclaim £450.30 charges including interest.

They have written back offering only the difference between charges that I have incurred with the current £12 fee, amounting to £136.00 plus 8 per cent interest.
They have said it will be credited to my next statement.

I want to try for the full amount though. What is the next step I should take? Is there a template letter for this? They say I am eligible to take it to the Financial Ombudsman, is this the right time to do so.

Many thanks
C

Hiya,

I've done excactly the same with them and got the same reply, I claimed £1312 including interest, they've sent me a letter offering £372 and that it'll be updated on my next statement, so I used the template letter for quick settlement (you'll find this on the how to claim your credit card charges page) saying I will be happy to accept £1200 and if they don't then I'll take them to court, I've given them 14 days, I only sent the letter on friday so we'll see, obviously I edited a few bits to make the letter suit, but you could do the same.

I know I've only bought it down by £100 but if I owed them money they'd want every penny so sod 'em, I'm gonna try my best to get as much as I can back, coz at the end of the day, it's my money!

hope this helps, good luck!

Donna