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  • FIRST POST
    • Former MSE Wendy
    • By Former MSE Wendy 9th Oct 07, 12:07 PM
    • 868Posts
    • 1,782Thanks
    Former MSE Wendy
    Credit Card Reclaiming Discussion
    • #1
    • 9th Oct 07, 12:07 PM
    Credit Card Reclaiming Discussion 9th Oct 07 at 12:07 PM
    This thread is to specifically discuss the new
    CREDIT CARD RECLAIMING article.


    To discuss or ask a question about this article: click reply

    To report your credit card success: use this thread

    To discuss original bank charges reclaiming: use this thread
    Last edited by MSE Archna; 10-06-2010 at 3:01 PM.
Page 155
  • jamboray
    Hello everyone, I have today posted off my PPI claim form to the COOP and Capital One Credit cards, wish me luck?
  • icecream123
    Hello

    i am hoping someone can help me, I have two accounts with Barclaycard, do i only pay one £10 charge or will it be £20 to get my account information regarding charges i have received?

    thanks
    • Alpine Star
    • By Alpine Star 16th Jul 15, 5:33 AM
    • 1,253 Posts
    • 611 Thanks
    Alpine Star
    If you mean a subject access request it would apply to all and any accounts, so just one £10.
    • taramo
    • By taramo 8th Mar 17, 2:25 PM
    • 1 Posts
    • 0 Thanks
    taramo
    How do i find out when i opened an account for a store card
    • Nearlyold
    • By Nearlyold 8th Mar 17, 3:56 PM
    • 1,070 Posts
    • 899 Thanks
    Nearlyold
    Ask the card provider?
    • xxdiddiexx
    • By xxdiddiexx 13th Mar 17, 12:55 PM
    • 317 Posts
    • 90 Thanks
    xxdiddiexx
    Can folk still claim?
    Not much activity on this thread since 2015. Is there another somewhere?


    Is it still ok to reclaim late payment fees and over limit charges from Credit Card Companies and have there been any changes to the templates?


    Thank You
    • Nasqueron
    • By Nasqueron 13th Mar 17, 5:12 PM
    • 4,752 Posts
    • 2,832 Thanks
    Nasqueron
    Not much activity on this thread since 2015. Is there another somewhere?


    Is it still ok to reclaim late payment fees and over limit charges from Credit Card Companies and have there been any changes to the templates?


    Thank You
    Originally posted by xxdiddiexx
    Generally speaking the banks will reject claims for historical charges because of the supreme court ruling in 2009 (while this was for bank charges it has set a precedent which has not been challenged in court). You can certainly ask but I wouldn't get my hopes up they will refund anything if you aren't in current financial hardship
    • brown1950
    • By brown1950 13th Mar 17, 6:05 PM
    • 235 Posts
    • 53 Thanks
    brown1950
    Their is no precedent set in relation to credit card charges. This is the reason why the likes of Barclaycard do not go to Court and usually settle out of court. One example :-

    http://www.consumeractiongroup.co.uk/forum/showthread.php?448783-HP-Mum-v-BC-reclaiming-penalties-and-Compound-Int-t-**WON**-
    • Bennachie
    • By Bennachie 23rd Sep 17, 11:17 AM
    • 1 Posts
    • 0 Thanks
    Bennachie
    Yes you can, the process is just the same. I am at the court stage now with Argos card services.76Bramble
    Originally posted by 76Bramble
    What about if you only ever used it as a charge card, and never ran a debt? We used both our credit cards and our store cards like this, and still do so. I don't remember ever having paid a separate premium for anything. Will there be anything to claim for?
    • dunstonh
    • By dunstonh 23rd Sep 17, 12:05 PM
    • 93,034 Posts
    • 60,419 Thanks
    dunstonh
    What about if you only ever used it as a charge card, and never ran a debt? We used both our credit cards and our store cards like this, and still do so. I don't remember ever having paid a separate premium for anything. Will there be anything to claim for?
    Originally posted by Bennachie
    You only pay when you borrow beyond the interest free period. If you cleared in full, then you never paid anything and cant be refunded something you never paid.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • StuR
    • By StuR 13th Jan 18, 9:41 PM
    • 1 Posts
    • 0 Thanks
    StuR
    Do I need to send all statements
    Hi, I have several credit cards on which I had PPI which I didn't need but thought I had to have.

    I have many years of statements showing the payments - do I have to include all of these with the claim? They are quite old, closed accounts so I suspect the credit card companies won't have kept the records. But there are an awful lot to scan!

    Thanks.
    • Sophiemou
    • By Sophiemou 14th Jan 18, 10:20 AM
    • 3 Posts
    • 0 Thanks
    Sophiemou
    Hello, Iíve read and searched so many articles and threads about claiming ppi on credit cards, specifically Nat West credit cards and Iím hoping someone can help. Iíve had 2 cards since 1994 which are both still active. I made enquiry on nat West site and got a letter back saying Iím not entitled to anything ( canít find letter now). Should I call them and ask for copy of letter and try again. Iíve not got any original paperwork due to being out of the UK for the last 20 years. I find it really odd that I donít seem to find any success stories for reclaiming ppi or tariff charges from Nat West. Any advice gratefully received. Many thanks
    • zx81
    • By zx81 14th Jan 18, 10:24 AM
    • 17,280 Posts
    • 18,388 Thanks
    zx81
    It won't have said you're not entitled to anything. It might have said you didn't have PPI. Or that they rejected your complaint reasons.

    You'll only have a successful complaint if you had PPI and have valid mis sale reasons.

    You can't have a second go at the same complaint. If within 6 months, you can go to FOS.
    • Lisa v
    • By Lisa v 26th Jan 18, 10:28 PM
    • 1 Posts
    • 0 Thanks
    Lisa v
    Iv got 5 credit cards im paying of all of them had late payment charges going into nearly a thousand on each one when partner lost his job can i claim it back
    • zx81
    • By zx81 26th Jan 18, 10:39 PM
    • 17,280 Posts
    • 18,388 Thanks
    zx81
    No. .
    • Alley McVino
    • By Alley McVino 16th Feb 18, 2:30 PM
    • 1 Posts
    • 0 Thanks
    Alley McVino
    As a new user to this forum, I seek advice as to whether i can re-instate my claims against Barclaycard and Capital One for credit cards issued to my wife and myself. I applied and both claims were rejected in the pre-Plevin era. Now we are in the post-Plevin era is it worth challenging again their original decisions? Thanks in advance.
    • zx81
    • By zx81 16th Feb 18, 2:31 PM
    • 17,280 Posts
    • 18,388 Thanks
    zx81
    No. But you could make a complaint under Plevin, if there was excessive commission.
    • dunstonh
    • By dunstonh 16th Feb 18, 3:29 PM
    • 93,034 Posts
    • 60,419 Thanks
    dunstonh
    As a new user to this forum, I seek advice as to whether i can re-instate my claims against Barclaycard and Capital One for credit cards issued to my wife and myself. I applied and both claims were rejected in the pre-Plevin era. Now we are in the post-Plevin era is it worth challenging again their original decisions? Thanks in advance.
    Originally posted by Alley McVino
    Plevin doesnt reopen old complaints or allow you to complain again about missale. It is a new thing with limited criteria.
    Last edited by dunstonh; 12-05-2018 at 1:29 PM.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Moneyineptitude
    • By Moneyineptitude 16th Feb 18, 11:44 PM
    • 20,466 Posts
    • 11,344 Thanks
    Moneyineptitude
    . I applied and both claims were rejected in the pre-Plevin era.
    Originally posted by Alley McVino
    The Plevin Ruling is not an opportunity to make your original complaint again. It's a separate issue concerning undisclosed commission.

    It's certainly not a new "era".
    • brown1950
    • By brown1950 18th Feb 18, 4:54 PM
    • 235 Posts
    • 53 Thanks
    brown1950
    No. .
    Originally posted by zx81
    Would you kindly explain in more details reasons behind your answer ?
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