Thread: has anyone has success claiming back credit card charges??

do not listen to them lisa they are just trying to put you off go ahead with your timetable it does apply to cc. you are right and they are wrong that is all you need to keep in mind. if they didnt put up a fight everyone would claim and noone would be put off... many are... and the bank would be well out of pocket. thats why they make things difficult not because they are in the right. good luck

hi continue with your action. i have got my cash back from RBOS credit card, they did the usual fobb off letter twice. I wrote again telling them that i was starting court action and guess what? cash back!!

this is who i dealt with perhaps try this person. Rebbecca Head Senior Customer Advisor credit card operations, Customer Service contact Centre PO Box 6050 Southend on sea Essex SS99 1Wl..


good luck

if i have helped please click the scales in the top right orner.

Mcow - MBNA should have all your details if they've completely taken over. If I were you I'd write asking for the rest of your statements stating your original 40 day deadline, if they don't hold them I'm sure they'll point you in the direction of BOS. Either way they should tell you who has them, and one or the other has to have them by law!

Mike,
1. Yes, 5 years for Scotland, 6 for England/Wales. Yes its still £10. You can send an SAR to any company that holds financial data about you. £10 is the maximum they can charge for your information, not all companies charge though. And remember its £10 for all accounts with one company, not £10 per account.

2. Not definitely sure about this but I think you will probably have to do them separately as on the court form you have to put the Defendant's name as the one that appears on your statement. However, the court may decide to join them together anyway. It might be better to keep them separate just to make sure its all clear and easy to keep track of.

Yep, you're best off getting the statements direct from the credit card company(ies). It will still be useful to have your bank statements to back up your findings though - then you know you have more evidence to back up your claim.

If you're interested in sorting out your wife's credit file, have you checked out the 'Legalities' forum which has a lot of interesting stuff about defaults and the like? Also, the 'Debt and bailiffs' forum.

moved.

You're welcome. Although, the only way I know what I know is from having read and read non-stop. There is a lot of info in the FAQs and it's important that everyone reads them before jumping in head first! I think its just that the mods get asked the same questions a lot by new members who haven't done their research. I know I was like when I first started - you can tell from my thread ( http://www.consumeractiongroup.co.uk...041#post238041) how my confidence grew from the initial stages.

mikeb1 do you have a thread of your own hun as this is sort of hijacking lisaab70s thread if so you can put a link on here so we can answer questions on your thread rather than hers. bear with the mods they may seem angry however as lucy said they do get asked the same question loads of times a day as its a busy site that why we all help each other out. as you get further down the line you will be able to answer questions of people just starting out and this helps take the pressure off the mods. good luck hun