Credit Card Reclaiming Discussion

catinthehat1

mizuno wrote: »

I filed in a claim on 13/08/2008. Received a letter on 15/08/2008 saying that they would refund me £179.28 as goodwill. Therefore I sent another template letter threatening them to court if they do not fully refund me. I receieved a final response letter yesterday and they agreed to refund me a total of £503.28 including interest.

It is a good offer. But I am now very puzzled, How come there a difference between our calculations? The letter says: "Having checked our records, I can confirm that you have been charged fees totalling £503.28 including 8% interest"

Shall I ask them to enclose a break down of the refund? I double checked the caluclation and seems that the charges should be totalling of £603.25. Shall I go for the extra £100? Or go to the FOS striaght away (since the letter says the FOS would treat it as a final response)?
Anyway, thank God and Martin :beer:, at least I've got majority (on this card) of the money back.

Why don't you call Barclays and ask them where they got their figures from - then you could argue with them that you have a different amount and see what they say - Did you ask for a breakdown initially?:o

catinthehat1

Also, if you have your figures correct, it's your money - and they owe it back to you

Ex-Spendaholic

Mizuno, give them a call and query it.

Have a look at my thread here where another bank made a blunder in the calculations. Had I not pursued it I'd have been none the wiser.

http://forums.moneysavingexpert.com/showthread.html?t=1033781

Well done in your success so far. :T

janie63

does anyone have an address for Royal Bank of Scotland?

my other half had a credit card with them that he closed about 3 years ago- he cannot find any details at all..............but we do believe that he was charged!

Apologies if this info is on the site somewhere-i have searched!

lees6771

Sent letters to Halifax and Tesco, received replies from both. Tesco was a standard letter saying no, Halifax was offering £34 of the £144. I am in need of help now

catinthehat1

lees6771 wrote: »

Sent letters to Halifax and Tesco, received replies from both. Tesco was a standard letter saying no, Halifax was offering £34 of the £144. I am in need of help now

have you sent second letters? If not I would send second letter - If you have and that is their final response - you could pursue claim through FOS - all details are on this website - just follow the instructions, and the form for FOS is really easy, you can cut and paste the wording - good luck:o

catinthehat1

janie63 wrote: »

does anyone have an address for Royal Bank of Scotland?

my other half had a credit card with them that he closed about 3 years ago- he cannot find any details at all..............but we do believe that he was charged!

Apologies if this info is on the site somewhere-i have searched!

Hi Janie 63 - found these details on RBS website
When you contact us, please quote your account number, branch sort code, details of your complaint and what you would like us to do to resolve matters.

• Write - Customer Relations Manager ,The Royal Bank of Scotland, Freepost ,PO Box 1727, Edinburgh ,EH12 9JN:o

mademistakes

Hiya - Re the address for RBS. I wrote to the following address to request my statements and got a quick reply (they didn't charge either)

RBS
Cards Customer Service
Customer Contact Centre
PO Box 5747
Southend-onSea
Essex
SS1 9AJ

Hope this helps!

pinknico

I wrote to Mint credit card for charges and agreement details on 06/08/08 and have heard nothing does anyone have contact details please?

psychopathbabble

Hi all,

I have had quite a few credit cards over the last 5 years, most of which have been closed for a while and I no longer have the statements or details.

I'm just wondering, if I phoned each company up and explained that I just wanted some information regarding my old account, if you think they would be able to find any details?

I am positive that I was charged for late payments or over limits, I don't know how much in total but I would be interested to see what charges were made and whether it would be worth putting some claims in!

Thanks x