Credit Card Reclaiming Discussion

GFCL

Hi Please could someone let me know if it is possible to reclaim charges on store cards in the same way as credit cards. Thanks

trudij

I dont see why not - they are run by people like GE Capital arent they??

Must be worth a go - the worst that can happen is that they say no...

Good luck!!!

xchugs

I have recently entered into a debt management plan with paylplan
can i still reclaim or could the credit card companies decide to close the account and ask for payment in full or worse bankrupt me?
can anyone tell me if they have been in this situation ad claimed successfully?

catinthehat1

xchugs wrote: »

I have recently entered into a debt management plan with paylplan
can i still reclaim or could the credit card companies decide to close the account and ask for payment in full or worse bankrupt me?
can anyone tell me if they have been in this situation ad claimed successfully?

Hi I'm not so sure about being in a debt plan - i have managed to get ALL of my credit card charges back + interest from various cards, and where we were in default and debt with DCA, they paid off the debt with the claim and if there was any over that was paid to me - they can't bankrupt you I'm sure - At the moment I have a claim with GE capital which I pay as a CCJ, I have just kept paying what the court has ordered me to pay but I am still claiming for charges via FOS - I hope that makes sense - just keep paying what is owed through your plan and go fro credit card charges - any money you are due can go towards paying off your debts, you may have some left!!!

xchugs

thanks very much

BIKERCHIC

Hi -just wondering if you are able to reclaim these £12 admin charges?

Are these charges in fact late payment charges?

I would apreciate any imput on this as not much info on site.

This is such a fantastic site !

Power to the people!!!!

Lily_08

Hi All, this is my first post but I've been using the site for around 18 months and thought I ought to register and try and help others reading by telling them of my experience in re-claiming credit card charges - so far!
I sent a letter with my list of charges (£425.10 inc £12 admin fee & interest) to the Halifax on 8th August 08.
I received reply on 19th August offering £169 as a gesture of goodwill and if they didn't hear from me within 8 weeks they would consider the matter closed, but alas no mention of Full and Final Settlement so couldn't yet use the Financial Ombudsman Service.
As the Halifax were truly unhelpful whenever I contacted them for help and advice (at the time I was not as money-wise as I am now trying to be!), I decided to send another letter on 22nd August accepting the £169 as part-payment and without prejudice but that I wanted the full amount of £425.19 and expected a full response within 14 days or I would commence court proceedings.
On 28th August they sent a "sorry this matter still remains unsolved" blah blah blah and that it had been forwarded to a Customer Relations Manager for review and I would be contacted "in due course".
I have just called two different departments for an update and how long "due course" is as the 14 days is up and I haven't received a full response yet. Both of the staff I spoke to (they were really nice) have said that I will have a response by 10th October as it is 8 weeks since the date of my initial complaint (I make 3rd Oct as 8 weeks!). One of the girls said that as far as she was aware most of the complaints were up-to-date and that I probably hear from them before then but to call back next week to keep pushing (sounded like both staff members hate their employer!).
As I wasn't really getting anywhere on the phone I will leave it for today, but I will call next week. If I have no joy then, I will use their "Personal Customer Complaints" leaflet that they included with their first response which have kindly provided the details on how to contact the Ombudsman (however I'd rather wait the full 8 weeks as the Ombudsman prefer you to).
Will let you know of any further developments.
L

Lily_08

BIKERCHIC wrote: »

Hi -just wondering if you are able to reclaim these £12 admin charges?

Are these charges in fact late payment charges?

I would apreciate any imput on this as not much info on site.

This is such a fantastic site !

Power to the people!!!!

Hi Bikerchick

You can try and claim the £12 admin charge, I am currently trying to do this now (although most of my charges were before this recommended fee was introduced and are somewhat higher!). If you read Martin's section on credit card charge reclaiming ( http://www.moneysavingexpert.com/reclaim/credit-card-charges) under section 3 there is a bit about these charges as they were introduced by most card companies in June 2006 as it is up to you if you want to try and go for them.

Hope this helps!

BIKERCHIC

Lily_08 wrote: »

Hi Bikerchick

You can try and claim the £12 admin charge, I am currently trying to do this now (although most of my charges were before this recommended fee was introduced and are somewhat higher!). If you read Martin's section on credit card charge reclaiming ( http://www.moneysavingexpert.com/reclaim/credit-card-charges) under section 3 there is a bit about these charges as they were introduced by most card companies in June 2006 as it is up to you if you want to try and go for them.

Hope this helps!

Thanks for that but I am trying to find out if can claim admin charges from catalogues not credit cards They charge admin of £12 for sending letter.

Lily_08

BIKERCHIC wrote: »

Thanks for that but I am trying to find out if can claim admin charges from catalogues not credit cards They charge admin of £12 for sending letter.

I searched "Empire Catalogue Charges" in the forum and it appears that people have sent off claims. Hopefully you will find some answers here http://forums.moneysavingexpert.com/showthread.html?t=353913&highlight=empire+catalogue+charges
Good luck!