Hi I am wondering if I am doing anything wrong with my thread as I don't appear to get any replies to the questions I am asking .

I am considering trying to reclaim my late payment charges from barclaycard.Can they turn nasty and threaten to close the account and then expect you to clear the outstanding balance

Hi I have just sent off a claim to First Direct for £3500.I am now thinking about taking on the credit card companies. I am just a bit concerned they could turn a bit nasty and close my account and ask me to pay my outstanding balance.Has anyone had any experience of this

I have just sent off my claim to First Direct which is in excess of £3500. I am now considering trying to get late payments refunded on my 2 MBNA cards.I am just a bit concerned that the card company could close my accounts and insist I pay the outstanding balances.Has anybosy had any experience of this . Looking forward to hearing your comments

Hi just to let you know the clain went recorded delivery on Friday.Will keep you updated on the progress.Hopefully it will be painless and quick.

Hi Just to let you know the letter is went recorded delivery this morning.I am hoping the claim will be plain sailing.You never know they might decide to give me the refund at the first attempt. I am now thinking about about the excess charges I have received on my credit cards.Can the card companies demand the outstanding balances if I decide to reclaim the excessive charges. thanks for your all help and support.

Hi just to let you know I have received my statements today.I have added up FD owe me £3238 over 2 accounts going back 6 years. I have just copied and pasted the letter from the library asking for a refund of my charges.Does anyone know who I address the letter to at FD plus when I attach the list of charges do I show the interest that I am owed if I have to go to the small claims court. I hope to send the letter tomorrow recorded delivery

Well done.I hope it is as easy for me as it was for you.Enjoy spending your money

Hi just thought I would give you an update. Received a letter from First Direct this morning saying they would be sendding all the statements via courier within the next few days.They have returned my cheque as there is no cost for asking for the back statements. I can't wait to add up how much they owe me. Will keep you updated

Hi just a quick note to let you know I have sent the letter asking for my bank statements for the last 6 yrs. I am already adding up the pounds that I will be hopefully given back.You never know it might be enough to clear one of my loans. I had an interesting letter from baclaycard this morning saying they are reducing their late payment charges etc to £12. Maybe they are starting to realise they are in the wrong.

Hi already to send the first letter. Who do I address it to at FD Is it ok to send the template as it is - of course adding my account details etc.

Hi reading your thread as inspired to take action against First Direct.Like yourself I have never done anything like this before and am very nervous about starting it -but there seems to be alot of support on the website so I have decided to give it ago. Goodluck with your claim

Hi thanks for the reponse.I will be sending the letter at the weekend. Once I get the response from them I will probably be asking for a lot of help from the other members of the forum. Once I have sent this letter ,I will then take a look at my credit cards etc.

Hi well done Out of interest did they close your account. Looking forward to hearing from you

Hi Thanks for everyone comments. I have checked my statements going back 2 yrs on line.I reckon I am owed nearly £1000 for the 2 yr period. I really must put the letter in the post but I am so nervous about the repercussions.

Hi a new day. I have just printed off thefirst letter that needs to be sent to FD.It seems so heavy handed but I think I will give it a go.I just don't want to get into something that I will regret Do I send the letter by recorded delivery. I think I just need a bit of encouragement

Hi thanks for the quick response. It is such a big step to take but on the other hand I could be entitled to several hunded pounds and it is better in my pocket than in FD . Will keep you posted.

Hi I have just found this website and think it is amazing. I am just a bit concerned if I start the ball rolling it will effect my credit rating. Has anyone got any views on this

Hi I have just joined this website. I am really keen to try and get my charges back but I am really concerned it will effect my credit rating. What are your views on this.