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    • Former MSE Wendy
    • By Former MSE Wendy 9th Oct 07, 12:01 PM
    • 868Posts
    • 1,782Thanks
    Former MSE Wendy
    Credit Card Reclaiming Success Stories
    • #1
    • 9th Oct 07, 12:01 PM
    Credit Card Reclaiming Success Stories 9th Oct 07 at 12:01 PM
    Please report your CREDIT CARD RECLAIMING successes here, if possible in the format

    Amount Reclaimed:
    Amount they paid:
    The story:

    (just a few sentences, please include how far you went did you a. just write a letter, b. threaten to go to court or c. actually go to court)
    Last edited by Former MSE Wendy; 10-10-2007 at 2:13 PM.
Page 1
  • hopeneeded
    • #2
    • 9th Oct 07, 9:58 PM
    • #2
    • 9th Oct 07, 9:58 PM
    Bank: Barclaycard
    Amount Reclaimed: 580 plus 133.26 interest = 713.26

    Amount they paid: 713.26
    The story:

    applied for statements: 1st septmember 2007
    first request for refund: 16th September 2007
    (was offered 250.56 and put it on my old card account), so i refused
    2nd request for refund: 27th September 2007
    no reply until i checked online today and they've credit the full amount!

    thanks to everyone on this site for getting me MY money back.

    Egg and Abbey are now the next in my sights!

    keep going everybody, you will get somewhere! xxxx
    • MSE Martin
    • By MSE Martin 9th Oct 07, 10:23 PM
    • 8,110 Posts
    • 42,245 Thanks
    MSE Martin
    • #3
    • 9th Oct 07, 10:23 PM
    • #3
    • 9th Oct 07, 10:23 PM
    Wondering why there aren't many success reports?

    This has only just been set up - in the past all credit card reclaiming success reports went in the Bank Charges successes section - you can scan through there to see 1000s of successes
    Martin Lewis, Money Saving Expert.
    Please note, answers don't constitute financial advice, it is based on generalised journalistic research. Always ensure any decision is made with regards to your own individual circumstance.

    Don't miss out on urgent MoneySaving, get my weekly e-mail at

    Debt-Free Wannabee Official Nerd Club: (Honorary) Members number 000
  • patjoyce
    • #4
    • 10th Oct 07, 8:33 AM
    • #4
    • 10th Oct 07, 8:33 AM
    got nearly 800.00 from MBNA co-op bank in two hits took about 2months the one I thought I wolud have a problem with GE Bank for my BHS card paid up within a month this cleared my card (approx 250.00)which is now in the bin
  • Debbyr63
    • #5
    • 10th Oct 07, 12:07 PM
    • #5
    • 10th Oct 07, 12:07 PM
    Provider: MBNA (Abbey Credit Card)
    Amount Reclaimed: 3108.15

    Amount they paid: 2560 so far!
    The story:

    I had a nasty car accident 5 years ago & was unable to work for 3 mths, I contacted MBNA but they woulndn't help me, the charges then snowballed, first for missed payments, then the overlimit charges, In August 2007 the account was seriously over its limit (I havent used it for 5 years!!! & only missed 4 payments 5 years ago due to the accident) I had been hit with overlimit charges, late payment charges and the odd 'non sufficient funds' charge every month for 5 years!! (despite not having a card or trying to use it!) hence the recaimed amount of 3108.15 inc interest.

    I wrote to MBNA on 8th August 2007 & recieved a reply 4th September 2007, this letter advised all the usual blah, Charges fair & transparent etc, 2 lines at the bottom advised that as a gesture of goodwill my account credited with 1048, but arrears still stood so charges will continue, I used the template letter on 8th Sept stating that I had not recived a satisfactory response so would issue proceedings.On 27th Sept I recieved another 'charges are fair letter' but advising a further 1512 has been credited to my account.

    This has been so easy - thanks Martin!!

    I am going to try for the remainder of the reclaim as MBNA have been so indiferent to my circumstances & I have continued to make payments of 115+ for 5 years & until now owed them a horrendous amount of money that I have never actually spent on the card, the 8% interest I have asked for is a drop in the ocean compared to what they have charged me in interest on all the charges they have added.

    Going for Capital One for myself & husband next then Halifax for my husband

  • Debbyr63
    • #6
    • 10th Oct 07, 12:19 PM
    Further to my last post!!!
    • #6
    • 10th Oct 07, 12:19 PM

    I have just received another letter from MBNA advising that they have now 'restructured' my account so that there are no longer arrears showing - so all ongoing charges have stopped!!

    Still going after the remainder, as now more charges added on 1st Aug, 1st Sept & 1st Oct amount outstanding is 655.

    I will be able to clear this account within a year at my current payments, something 2 mths ago was totally impossible (it was actually an increasing debt despite payment & no spending!!!)

    Thanks again Martin & team
  • firemeup
    • #7
    • 10th Oct 07, 2:52 PM
    • #7
    • 10th Oct 07, 2:52 PM
    Provider: CAPITAL ONE
    Amount Reclaimed: 315.59

    Amount they paid: 315.59
    The story: Sent all the template letters on this site, filed on Mcol and 2 weeks later got a letter saying I can have all my charges back! This was the quickest and easyiest claim and a massive thanx goes out to everyone on this site for all thier help

  • Norfolk Shot
    • #8
    • 10th Oct 07, 3:36 PM
    • #8
    • 10th Oct 07, 3:36 PM
    Provider: RBS Advanta

    Amount Reclaimed: 113 + Court Costs

    Amount they paid: 113 + Court Costs

    The story:

    They originally offered me 25 which i wrote back accepting without prejudice...they then replied saying the 25 was only available if I signed a form accepting it as full and final settlement. So i went to MCOL, they defended but settled in full 3 days later

    Provider: Alliance & Leicester

    Amount Reclaimed: 1177

    Amount they paid: 520 so far..

    I sent them letter one and they paid me 120 so i sent them a second letter which said i accept it without prejudice but i'd go through the courts if i had to for the rest, I also added

    1. That what they had paid me wasn't even the difference between what i'd been charged and what the OFT reccommended was the maximum 12

    2. That i should also remind them that these were Credit Card Charges and that any application for them to attempt to get the case Stayed would not be appropriate.

    3. That if it went to court i would look forward to them disclosing their actual costs.

    I then got another letter (exactly the same as the first but offering me a further 360.

    Next week i'll be writing a 3rd letter again thanking them and accepting this payment with out prejudice but also saying that i will take them to court if they don't settle in full also including once again points 1 and 2

    Provider: Barclaycard

    Amount Reclaimed: 620

    Amount they paid: 69 so far

    I wrote the first letter and then a few days later phoned them and on their automated system it said was 69 in credit which shocked me as the account had been closed 4 years...

    I wrote accepting this without prejudice and heard nothing so went via MCOL which they defended. I spoke to Kings Lynn Court on Monday and it's gone to the District Judge for him to review.

    I then phoned Barclaycard on Monday and spoke to the Litigation Department who were to my surprise very friendly and helpful, I explained to them thati really didn't want to take a day off work to go to Court and it would cause them more expense by sending someone to represent them and as was silly would they consider settling out of court...The guy at Barclaycard also agreed with me that it wouldn't be appropriate for them to apply for a Stay and said he'd speak to their accounts to verify the charges that i was claiming and that i should receive a letter offering settlement next week.
    • andymc
    • By andymc 15th Oct 07, 1:04 AM
    • 43 Posts
    • 10 Thanks
    • #9
    • 15th Oct 07, 1:04 AM
    On behalf of my wife
    • #9
    • 15th Oct 07, 1:04 AM
    Provider: Barclaycard

    Amount Reclaimed: !!!163;1029.52

    Amount Won: !!!163;1029.52

    Claimed originally !!!163;949.52 plus !!!163;80 Court Costs.
    Barclaycard offered !!!163;356, told them no.
    Took them to court 7th June 2007, deemed served on the 12th June 2007.
    They put a defence into court on the 10th July 2007.
    Court granted a date: Monday 13th August 2007.
    Barclaycard offered to settle in full 10 minutes before court case 13th August 2007.
    Got the money couple of weeks later.

    Andy Mc, for Hazel
  • hopeneeded
    Provider: MBNA
    Amount Reclaimed: 1145 plus 269.50 interset
    Amount Won: 1145

    hi all

    1st claim letter 12/09/07, they replied witha check for 569.00
    so i part accepted then...
    2nd claim letter 27/09/07...
    today i got a latter offering another 576.00 as full and final settlement.

    no interest, but i was only using it as a bargaining tool anyway!!

    so far this month 713(full&inc. interest) from b/card and 1145 from MBNA!!

    Keep going everybody, you'll get there.

    hopeneeded xx

    ps... i'm entering mcol claim tomorrow for egg!!

  • watsok1
    At last, Success!!
    Provider: Halifax
    Amount Reclaimed: 1225.00 plus (271.58 interest)
    Amount they paid: 1,758.55 !!!! Don't ask me ???

    The story: I started off by claiming charges from my Bank account, when I realised that the charges on my Credit Card were far higher than my bank account, so I concentrated on getting the statements etc from the Halifax to start my claim. I sent the Halifax my first contact letter (from this site)with full information of all charges on 19th May'07 they replied with 14 days with the usual "We've done nothing wrong" type of letter. I sent them the second letter to Halifax on 19th June, which they took 6 weeks to repond to (only after I called them up to remind them that they were dealing with a complaint case!!) This letter was only informing me that they had passed my case onto a different team to deal with.

    1st August, Finally Halifax offer me........612.50 (half my charges claim amount without interest) Of course I reject this offer and request full payment of all monies plus interest. 10th August, Another offer letter lands on my matt, guess what....... an offer of......... wait for it ........ 612.50!!! with the closing sentence " This is the banks final offer "!!! I don't think so chummy!!! I decided to go down the Financial Ombudsman Service. I filled in the online complaint form, Printed it out and enclosed a copy of all of the letters and the break down of all of the charges!! I got a letter confirming receipt of the info with a helpful guide to what happens next!! Now it was to my advantage that the test case had free'd up the Ombudsmans resourses greatly speeding up the time in which they could start the investigation.

    After 2 weeks the FOS contacted me to say that Halifax were disputing this claim and that the FOS had requested that the Halifax conduct a formal investigation into my claim!!! 2 weeks later I receive a call from my case handler at the FOS informing me that they had received an offer which was not only the full charges amount but the interest as well which was suprisingly nearly double the amount that I have worked it out to be, but who am i to argue eh?? Anyway I should be getting the credit onto my credit card account in the next week or so.


    I spent most of the last 10 years in debt feeling alone and trapped with Debts of 23,500.00 , thankfully I finished paying my IVA 16th December last year so that nightmare is almost over as well, I only wish I had a site like this back then!!

    I would like to thank and all of the other members for their advice and support, I hope that my story gives then the hope that I was given by reading others like it when I was starting out!! Anyway I'll shut up now (Damm Night Shifts)

    Never Give up!!
  • tikka9
    as a newbie if this is in the wrong place could someone please move it.

    i was just thinking that with all the people including myself who have made monetary gain through following the advice on this site to claim bank charges etc perhaps we could start a campaign to encourage people to dontate just a small amount to a charity like children in need, it would make them feel better and perhaps really show gratitude to the work martin puts in to this amazing site.

    just a thought and something i intend to do. after all through this site an incredable amount of people are now better off
    • MSE Martin
    • By MSE Martin 18th Oct 07, 10:56 AM
    • 8,110 Posts
    • 42,245 Thanks
    MSE Martin
    as a newbie if this is in the wrong place could someone please move it.

    i was just thinking that with all the people including myself who have made monetary gain through following the advice on this site to claim bank charges etc perhaps we could start a campaign to encourage people to dontate just a small amount to a charity like children in need, it would make them feel better and perhaps really show gratitude to the work martin puts in to this amazing site.

    just a thought and something i intend to do. after all through this site an incredable amount of people are now better off
    Originally posted by tikka9
    Its a lovely idea - but just a wee plug. The Charity is only weeks (i hope) away from launch, we're just waiting for official yes from the Charity competition. So its be great it you wanted to hold onto the pennies until then
    Martin Lewis, Money Saving Expert.
    Please note, answers don't constitute financial advice, it is based on generalised journalistic research. Always ensure any decision is made with regards to your own individual circumstance.

    Don't miss out on urgent MoneySaving, get my weekly e-mail at

    Debt-Free Wannabee Official Nerd Club: (Honorary) Members number 000
  • LS123
    RBS Mint & Barclaycard
    Had a couple of succeses over the last couple of weeks with my cc claims:

    RBS - claimed on MCOL they defended then claim was stayed, then I got it un-stayed and then they paid up.

    Barclaycard paid up 3 days before court date.

    Good luck everyone

    • wendfd
    • By wendfd 18th Oct 07, 8:43 PM
    • 981 Posts
    • 408 Thanks
    Had some success on my credit cards reclaims

    Capital One. Wrote 1st letter, July 07 - Accepted their offer which was difference between The charges and 12.00 54.00

    MBNA As above but this time I didn't accept offer. Threatened court action and actually filed claim online. They rang to discuss it an agreed to pay in full. Received payment in full 221 inc court fees

    Fashion world. Sent 2nd letter refusing their first offer and they replied and offered to pay in full minu interest. Accepted 359

    Mint They have filed a defence that the claim should be stayed awaiting the test case. Sent letter objecting to the stay. Received letter from Court saying it was being transferred to local court.
  • girlydiver
    Provider - MBNA
    Amount claimed - 1637.62
    Amount won - 1637.62

    I had previously won back all my bank charges from the Halifax so I decided to start on my credit cards. I used all the template letters on this site, although with the initial letter to MBNA I only asked for the charges to be refunded without the interest (1205), they offered me a payment of 491 which was the difference between what I had been charged and the new reduced 12 fee. I replied that I would accept that as a part payment but started court procedure anyway. Felt really worried when I checked online on Friday to see that they were going to defend but on Saturday morning I got a cheque in the post for 1146.62, which was the remaining amount, plus interest plus the court cost. I was absolutely over the moon and I just want to thank everyone on this site because without it and its success stories I would never have gone through with these claims. I used to listen to Martin on Radio 2 raving on about reclaiming bank charges and thought that there was some catch that would mean it would not apply to me. So thanks Martin, you were right. 6 months ago I nearly took out a loan just to try to catch up with all my payments and my overdraft because these charges were crippling me, but now I have no overdraft, no loan and I have paid off over 5,000 off my credit cards, all I now owe is 370. Please don't give up, it is your money, they have ripped us all off, it's time they paid it back.
    • techspec
    • By techspec 20th Oct 07, 9:23 PM
    • 4,405 Posts
    • 11,137 Thanks
    Natwest Card Services

    Claimed 570 for a friend
    Offer 560 (They must have really needed a tenner)

    Claimed via ombudsman on July 30th.

    Happy Days!!
  • StephenC
    EGG Credit Card Success
    Company: EGG
    Amount claimed: 233.39
    Amount received: 233.39

    Was surprisingly quick.

    Requested statements mid-August (also claiming Payment Protection Insurance).

    9th Sept - requested repayment of charges incurred on account
    3rd Oct - received standard letter saying EGG does not believe charges are unlawful etc., etc. so go away.
    10th Oct - sent reply requesting money again, this time with threat of court action.
    15th Oct - received standard reply from EGG, but with offer of 36 to go away.
    17th Oct - sent letter saying would accept 36 as down payment on full amount. Decided to threaten with Financial Ombudsman. Actually completed forms and sent at same time.
    19th Oct - received letter from EGG with offer of full amount plus interest to the value of 233.39.

    Have accepted offer, but holding back telling FOS until money in bank!

    Thanks to all on this forum for support. To those in the process or thinking about it, go for it and follow the guides.
    • king100
    • By king100 23rd Oct 07, 6:14 PM
    • 1,520 Posts
    • 910 Thanks
    Lloyds TSB
    Provider: Lloyds TSB
    Amount Reclaimed: 484.13 (amount owed plus interest)
    Amount they paid: 536.45 (amount plus interest plus an additional 14 days interest)

    The story: The normal letters going through the process.


    Took to court and started playing their games. They filed a false defence claiming that it was a "bank Account", of course it was stayed in Northampton Court. Wrote to :

    The solicitors involved
    Office of Fair Trading
    Solicitors Regulation Authority
    Northampton Court
    LLoyds TSB

    Told the solicitors that they were being reported to all those people etc.

    Told the court that they should be held in contempt etc, really laying into them.

    Heard nothing from court until a letter came from LLoyds that they were going to pay me the full amount plus 14 days interest.

    Of course i accepted and have cashed the cheque and it has cleared.

    Now trying to get the default notice on my credit scoring since this has taken about 5 months to sort out and they have put on 5 default notices.

    I all have learnt is from others on many sites.
    Seek legal help if unsure.
    Dont pay Private Parking tickets - they are mere invoices.

    PRESS THANKS-------------}
    • lucyclare
    • By lucyclare 24th Oct 07, 2:27 PM
    • 630 Posts
    • 543 Thanks
    CC Reclaiming
    WON 900

    I Claimed on behalf of my partner, He had three accounts with them over the years. This was the first time I had done this, but he had claimed 1600 from Halifax bank.

    We got a letter saying that they would deal with the cases by blah date (it was about two weeks) which I actually thought was very nice of them. Then we got out responses early. (I was happy with this) We were happy to settle for the 900, we got two cheques and the one current card he has with them was credited with 389.

    CLAIMED 320
    WON 150

    Not such a nice company. I got the first letter saying go away so I threatened to take them to court. Then surprise surprise they offered 150 which cleared the amount outstanding on his card and we have closed it. No more money to Halifax.

    CLAIMED 275
    WON 138.50

    Dead easy to deal with, you can speak to them on the phone, but again we got a letter to say that we would have a response by 28th of this month and the letter came today saying they will give us 138.50. Its more than enough to clear the card, another one for the bin.

    CLAIMED 200
    WON 91

    This is my old MBNA card. The account has been dead for eons, but I though I'd give it a go. I am now just waiting for my cheque.

    Having read some of the other threads on this site, I should maybe have hung on for more, but I am happy with the amounts we have had, it has helped to clear two credit cards in full, the 91 from this claim will pay my barclay card.

    We are going after RBS next, then both of my Barcalycards. We have not found any negative response from any of the companies we have dealt with. I never had a lot to claim back as I had direct debits paying mine, but for the cost of a stamp and some computer time, go for it. Do not be put off with the first letter telling you to go away.

    Stick to the letter templates on this site, they are tried and tested, but what is MCOL?

    Thanks Martin and to your site, so far with his halifax claim, we have recouped nearly 3000. Its a hell of a lot of money and the New Year will be much easier for us now.
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