I have finally received SAR details re ongoing PPI claim with RBS Mastercard and after reviewing various statements noticed quite a few late payment fee charges for £20.

I am sure I can reclaim these and if so can anyone kindly point me in the right direction as to what spreadsheet I need to use to calculate refund ?

http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**/page4

Quite a good reference thread there. It is for Barclaycard but the preparation etc should still apply

http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**/page4

 

Quite a good reference thread there. It is for Barclaycard but the preparation etc should still apply

Ok many thanks and will have a read of thread.

Cheers g/l

http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**/page4

 

Quite a good reference thread there. It is for Barclaycard but the preparation etc should still apply

Further to the above, can anyone confirm where I can locate Credit Card Reclaim spreadsheet details thanks ?

Here you go

CISheet v101.xls

Here you go

 

[ATTACH]50994[/ATTACH]

Many thanks ims

So use this one for Credit Card Fee / Charges reclaim ?

Would you have a link for appropriate letter ? Do have some sort of one that I successfully used for reclaim of Welcome fees but wondered if it would differ for Credit Card fees ?

Many thanks ims

 

So use this one for Credit Card Fee / Charges reclaim ?

 

Would you have a link for appropriate letter ? Do have some sort of one that I successfully used for reclaim of Welcome fees but wondered if it would differ for Credit Card fees ?

Also do you have link to PPI reclaim spreadsheet thanks ? And can I still enter details even though I have a couple of years missing statements ? (I am still trying to locate them but wanted to start the ball rolling with what I have)

Sure, here you go

FosRunningPPI v102.xls

Ideally you should have all of the statements to fill this one in but you may be able to estimate the behaviour of the account on those couple of missing statements.

Sure, here you go

 

[ATTACH]51003[/ATTACH]

 

Ideally you should have all of the statements to fill this one in but you may be able to estimate the behaviour of the account on those couple of missing statements.

Many thanks ims and I will see how what I can do with what I have until I locate missing statements.

If I need any help I will let you know

Cheers

Hi, just an up-date on the situation regarding charges reclaim.

Just received a very brief response from RBS denying my claim on the basis that I was aware of the charges when I opened the account and that they are deemed fair in relation to costs. There is no mention of 6 years time-barred or any independent investigations, just that If I wasn't happy with decision that I can take it to FOS.

What next, do I just reply with a Letter before Action ? Any advice would be appreciated.

Fos won't be interested in credit card charges claims.

If you want them back then the only way will be to challenge them in the courts.

The procedure would be to issue an lba and then of they still fail to pay up then you issue in court.

Don't threaten court unless you actually intend to go through with it. You must also be prepared to go all the way which could well end up with your arguing your case in front of a judge.

Fos won't be interested in credit card charges claims.

 

If you want them back then the only way will be to challenge them in the courts.

 

The procedure would be to issue an lba and then of they still fail to pay up then you issue in court.

 

Don't threaten court unless you actually intend to go through with it. You must also be prepared to go all the way which could well end up with your arguing your case in front of a judge.

Thanks for your reply ims.

Sorry to sound ignorant but why would FOS not be interested ?

With credit card charges reclaims they will side with the lender and reach the decision that the charges are ok.

Thanks for your reply ims.

 

Sorry to sound ignorant but why would FOS not be interested ?

Even though they are in excess of £12 ? I thought that there was a ruling that confirmed this ?

Not a ruling as such, simply that the OFT (as it was then) said that they would not investigate charges at a level of £12 or less on credit card accounts.

Fos overwhelmingly decide in the favour of the lenders with charges claims. Even if they did find in your favour they would almost certainly simply get the lender to repay the excess between the charge applied and the £12.

If you want all of the charges back then court would be the route to take but only you can decide whether that route is for you.

Not a ruling as such, simply that the OFT (as it was then) said that they would not investigate charges at a level of £12 or less on credit card accounts.

 

Fos overwhelmingly decide in the favour of the lenders with charges claims. Even if they did find in your favour they would almost certainly simply get the lender to repay the excess between the charge applied and the £12.

 

If you want all of the charges back then court would be the route to take but only you can decide whether that route is for you.

OK many thanks again ims, maybe one to sleep on as to which option to take.