HELP - Claiming CC Fees

janinibean

Hi all,
I have written the letters to my credit cards saying I want my money back, all have offered me the difference between the £12 and the higher charge, but I want the whole amount back!! I was just wondering if anyone could advise re. success at taking things further etc?
Also, I no longer have the credit cards (as I went a bit crazy and now in debt consolidation) and they have offered to put the pitiful amounts onto my card (which is closed). Any advice gratefully accepted!!
Janinibean x

jimbo26

You broke the terms of your contract and you don't want to pay any fees? I think you are being a bit unrealistic. The offer you have had is good and should take it.

In future read the T&C's and if you feel they are unfair don't take out the card.

janinibean

Sufficed to say I will not ever take out a credit card again, they are far too much hassle. However it doesn't change the fact that credit card companies prey on people and I will admit that I was naive with the whole thing. However I don't believe that it costs them £12 each time they charge people. I would happily pay a charge that is representative of the cost to them but I don't believe that £12 is.
If anyone has any useful advice for me instead of trying to make me feel more stupid than I already feel then that would be gratefully received.
Janinibean x

YorkshireBoy

janinibean wrote: »

...I don't believe that it costs them £12 each time they charge people.

If anyone has any useful advice for me...

You'll find some like-minded people on the 'reclaim' board at http://forums.moneysavingexpert.com/forumdisplay.html?f=102

janinibean

Thanks for that YorkshireBoy, you've been a help
Janinibean x