Help regarding 6 months old CC claims.

s0095063

I have just read the article on Credit card reclaiming and it has motivated me to try and get things organised. At the start of summer i tried to start proceedings to claim charges back from my credit cards (i didnt know about this site then and used ukpenaltycharges forum). I have 3 cards which i was trying to claim on, but with limited success. Here is how they fared:

1. Bank of Scotland CC - requested charges totalling £399 - recieved a letter of refusal on 19th June 2007

2. Barclaycard CC - requested charges totalling £288 - recieved 'goodwill' gesture of £120. I sent a letter asking for the full refund and recieved a refusal on 27th June 2007

3. A&L CC - i have the list of charges totalling £605 - have not sent in claim form as yet.

My refusals came around the same time as the OFT announcement and I was reluctant to continue with my claims, thinking they would be put on hold (And I am a little anxious about going to court :eek: )


I have a couple of questions that i hope someone may be able to help me with. Firstly, is it ok for me to send another letter asking for a refund, even if they have refused me already? Secondly, does the fact i did not challenge Barclays refusal for the full refund mean that i cannot proceed with that claim? (Their letter stated they would close the complaint after 8weeks on their files?) And finally, as i am based in scotland, are there any quirky scottish laws that might throw a spanner in the works to my claims?

Thank you in advance for any help!:beer:
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debtdestroyer_2

Argh just typed you a long reply and spazzy interent disconnected the second i pressed the post button!!

Im almost 100% sure that the test case only applies to current account charges, not CC charges so you should pursue these claims through the courts. However, you may have shot yourself in the foot if u accepted the 'goodwill' gesture from Barclaycard - got a feeling you wouldnt be able to claim any more from them.

Im in the same position as you with one of my CCs, started the claim process a few months ago but didnt follow it through, so im wondering if anyone knows if theres a time limit between sending the LBA and filing in court?

s0095063

Cheers for the help.

I've just filled out the templates on here and i'm going to post them tomorrow. The way i see it is if you don't ask you don't get!