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Any advice on claiming credit card charges back???
Hi everyone
Just joined today after reading your article on MSE. I would greatly appreciate any advice on getting charges refunded from my Nat West Platinum card. I had the card set up originally for the 0% balance transfer and had a direct debit set up for the minimum amount each month which was all I could really afford. I then managed to get a really good low interest loan and decided to pay off the balance. Knowing I was going to do this I cancelled my direct debit. I then paid off the full amount via a direct internet banking payment on 01st August. I just received my statement today stating that they did not receive my payment til the 03rd and because my payment was due on the 02nd they automatically charged me £12. They also then charged me £28 on the 08th for interest which they explained was due to the fact that even although my payment was only 1 day late (according to them) I was charged interest for the full month. I phoned them and kicked up a stink but they were adamant they would not be refunding anything - so I cancelled the card there and then. I know it's not a huge amount but it's better in my pocket.
I know this will sound really petty but whilst I'm on a roll - they have also charge me 1p interest on purchases even though I have never made a purchase on the card!!
Re: Any advice on claiming credit card charges back???
Hi
Start the process to claim them back - as you know the amount, start with the preliminary letter. I very, very much doubt it would get too far as it is for a relatively small amount but you never know!
I have no idea why they have charged you 1p - query it (as long as it is a freephone number otherwise it'll cost you more in the phonecall cost)
Good luck
Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.
** Nationwide - £1821.15-PAID IN FULL - Aug 06 ** ** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 ** Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....
Re: Any advice on claiming credit card charges back???
i have the same thing. I get charged 1p every month even though the account has a balance of £0! ... Maybe its because if i don't pay the penny they can charge me a 'missed payment' and 'late payment' fee?
Any advice on claiming credit card charges back???
set up for the minimum amount each month which was all I could really afford. I then managed to get a really good low interest
I phoned them and kicked up a stink but they were adamant they would not be refunding anything - so I cancelled the card there and then. I know it's not a huge amount but it's better in my pocket.
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