Hi,

I have had success claiming back 190 in bank charges from my normal bank account after second letter was sent. But am now trying to get back Credit Card charges without much success at the monet.

Has anyone been refunded credit card charges? After sending second letter I have recieved a reply from RBoS stating that the charges refunds DO NOT apply to credit cards.

Should I go ahead and start court action??

Advice would be much appreciated. Thank you.

its just more fob off techniques. I have had refunds from capital one credit card, and an rbos current account. about to start on ikea, and then my rbos credit card

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.

Thanks so much missm, smoorach & lively lad. I am just in the middle of starting the court action online now. We'll teach 'em to mess us about hehe.

Thanks for your replies and advise, its much appreciated.

Have a nice day

Hi guys,

I am currently starting to claim my charges back from my B of S credit card.

However, MBNA have now taken over their credit cards.

I rec'd reply from MBNA with ALL charges for this year since they took over!

So, does anyone know if i have to now write to B of S?

Or, should MBNA have all my details, statements on their data base now?

If i have to now write to B of S, does anyone have an address and contact?

Any help or assistance would be appreciated.

Thanks

martin

sorry cant help mc.

I am looking for some answers about credit cards also if anyone knows anything

I`d be glad to here from them.

1. Can I send for 5 year back statements as with the banks?and is it £10?

2.monument and barclays are one in the same people do I have to file 2 seperate

claims as it is 2 different acc numbers?

Not many people seem to have many clear answers that I can find anyway.

posted on the subject a few times but people just seem to shy away from the subject.Any help welcomed.TIA MIKEB

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.

MBNA paid me half of my claim and all I had sent was an sar!!!!!!!!

I have accepted as part payment etc

Thank you lucy

I do have last six years bank statements that I recieved from my

bank whom I successfuly sued,but am I right in thinkinking I won`t

be able to work out from them what the credit card companies have

took and for what?

I assume that the SAR to the CC companies will detail exactly what

they have taken for late payments etc?.

Thanks again lucy,and thank you also lero for your post.I am really

more interested than clearing up my wifes credit file than anything

else,but a cpl of K into the bargin would`nt go amiss.

Mike b

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/forum/showthread.php?p=238041#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