Thread: Store card reclaiming

Hi all,

I am in the process of claiming back store card charges. I sent a cheque for £10 to the company to release statements and charges. They have responded but claim that they have 'lost' data for around 7 months. I am now unable to work out what I can claim. Can anyone help?

Originally Posted by Ferg

Hi all,

I am in the process of claiming back store card charges. I sent a cheque for £10 to the company to release statements and charges. They have responded but claim that they have 'lost' data for around 7 months. I am now unable to work out what I can claim. Can anyone help?

Had same problem with creditor they had "lost" 6 months of statements, I calculated the monthly average of charges covering the periods they had supplied and then calculated the value for the missing 6 months they never complained just paid up.

dpick

Excellent dpick. Thanks for your help. I will keep you updated!!

Oh, I also noted that they added interest per month and payment protection to the account. I did not ask for pp and this was not discussed when I naively signed up for the card in store...can I claim this back too? Soory, I am a bit of a newbie when it comes to tackling these parasites!!

Originally Posted by Ferg

Oh, I also noted that they added interest per month and payment protection to the account. I did not ask for pp and this was not discussed when I naively signed up for the card in store...can I claim this back too? Soory, I am a bit of a newbie when it comes to tackling these parasites!!

Hi about PPI don't know for sure due to my claim for PPI was mes-selling with regard to medical condition. As for interest I claimed all interest applied to card for charges and also charged them interest on charges and interest applied to charges. Spreadsheet does this for you.

dpick

Once again dpick, thanks for your help. I have sent the letter sealed with a kiss!! We shall see what happens.

Hi, having problems with creation, has anyone had any success claiming back unfair, ridicolous charges????

It is Burtons....rrrrrr

It is Burtons....rrrrrr

If it is then if like me you are going to be in for a battle with Santander Cards UK, have been waiting since 24th March when i sent a request for an SAR, did not recieve any information so i sent a complaint to ICO & it is now in their hands, Good Luck tho.

Hello all,

A quick update: I have received a letter from them today stating that they OFT had ruled that a £12 charge was reasonable and that their charging supports this rule. As a "good will gesture" they are sending £6 "in Full and final settlement"...

They now say that it is over to the Financial Ombudsman Service or I can effectively do one!!

Any ideas on how to proceed?

The only letter I have sent to them so far was the letter asking them to refund me the full amount.

Next step is the threat to take them to the small claims court i suspect?

HELP!!!

Hi All,

I am having an irritating time with with Santander who state that the OFT agreed that a £12 fee is reasonable and that they won't refund the charges. This is merely their interpretation of the OFT ruling. I do not see that the OFT said it was OK to charge £12...

I have now written to them again stating that they are punitive charges and therefore unlawful. This is a letter that I am sending them before issuing a letter before action.

Has anyone else had the same problem? If so, any advice??

Many thanks

The OFT never at any time said that £12.00 was resonable and I recently confimed this at a meeting with representatives of the FSA. What the OFT did say was that any charge greater than £12.00 would be automatically unfair. You may wish to consider a Small Debt Action.

Thanks Crocdoc. They imply in their letter that £12 is a fee that the OFT has agreed is fair (something which i believe is utter BS).

I have responded to the letter saying so and re-iterated what I put in the original letter, saying that I am demanding ALL charges back. I have given them 7 days to respond and if I hear nothing, I will issue a letter before action.

RRRR!!

I haven't even asked for the interest or the PPI that they chose to put on the account either....

I would google OFT 842 and quote them 1.14 and tell them to save additional legal costs on their part you will settle for £xx.xx(the amount your are reclaiming).
They will payout.

Thanks for your advice people. It is an old store card (Burtons). I racked up a few charges on the card and then paid it all off but I am now making sure I get all the charges back. Annoyingly, I just asked for the charges and did not take in to account the interest and the fact that they also added PPI on to my account...I never asked for PPI. I will see what happens with the last letter I sent and will keep the details posted on here.....victory will be mine!!!

Good luck Ferg,

They said exactly the same to me, that the OFT said the £12 charge was fair and after a lot of letters back and forth they still wouldn't give in so I have issued a court claim against them. I have added interest to my claim and it has now been transferred to my local court so it seems they are still not going to give up so easily.

I will watch your thread to see how you get on.

Penny

Thanks Penny. I will keep you posted. They have not replied to my letter yet. Next will be a lba....I will also add the interest and the PPI payment to the next letter.