Fee returned

BBloke · 25th May 2006, 09:10

Morning all

I had a letter from the Co-Op Credit card yesterday with a cheque for £25 refunding a late payment charge from 2004. I actually closed the credit card a couple of months afterwards so have had no dealings with them since. In addition and this is the best bit - they have removed the missed payment note on the credit register. The letter was not unpleasent but they did get a paragraph in there saying that I agreed to all of their terms blah blah blah.

Good news and thanks for the advice so far.

Just Barclays, Amex and MBNA to go........

BB

25th May 2006, 15:49

Wow thats good! Esp with the credit file!

Lou x

BBloke · 25th May 2006, 17:16

Hi Lou
Can you help? I read earlier on another post that someone said that if you pursue your bank that they can register a default against you? Surely that cannot be right. That flies in the face of what we are doing here right?
Can you shed some light or direct me accordingly.

Many thanks

BB

25th May 2006, 17:19

Just because we are persuing them for charges, they cannot enter a defult, if you owe money to them, and they have requested repayment form you spending it, and you refuse then yes they are entitled to default if you refuse to co-operate and you are indebted to them.

Dont worry, they cant default just because you are trying to get a refund!

BBloke · 25th May 2006, 18:05

Excellent. Many thanks for the reassurance.
Regards

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit	Small Claims Court Guide	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here.
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki N.B. Please note - due to postage costs these products are only available in the U.K.