Which of these can I claim back?

[irishpoppy]

Can someone please inform me which of these I can and cant claim thanks.

1) late payment

2) overlimit fees

3) intrest

4)purchase intrest

5)cash intrest.

Thanks

[tiglet]

1, 2, & potentially 3 (what do you mean by interest? I may be sounding thick here, but it's always best to clarify early on).

[irishpoppy]

Hi tiglet thanks for the reply. Well your guess is as good as mine I've been charged all of the above on my statements with that intrest ? added to, I have no idea what its for with having the others added aswell. Im just about to print off my lba so dont want to claim for something I cant.

[jumpjet]

Have you calculated your totals on the spreadsheets?

You need to be clear what you are claiming for beforehand.

[tiglet]

Is this a Credit card?

[irishpoppy]

Hi yes its a credit card. I meant to put prelim not lba. Im just about to do my spreadsheet now. thnx or the advise.

[tiglet]

No probs - if you need any more advice/reassurance once you have done your spreadsheet, post back.

[WendyB]

You could go for CI, but its a bit of a minefield imo. Steven4064 is the best one to ask, he's done a good tutorial on it. If you claim any interest you must be clear and claim it from the start. If you put in a claim for CI (compounded interest) they will fight all the way against paying you. Most people just claim the charges and then add on stat 8% when filing at court. in my case I claimed interest at 14% from begining, then added on 8% stat interest, and got the lot back. In most cases they will end up paying charges, plus all the purchase interest you've ever paid, plus 8% stat.

Just follow the normal process and you'll be okay.