Credit Card Charges

[fmc001]

I am about to start a claim for refund of Credit Card charges from RBS. Some of the charges on the account date back until 2002.

I have noticed other CAG members have been successful claiming back charges over the 6 year limit and reference is often made to Section 32 of the Limitations Act.

Bearing in mind I am based in Scotland would I be able to quote the Limitations Act for charges over 6 years or would I make reference to the Prescriptions and Limitations Act when trying to claim back older charges.

 

FMC

[buzby]

No. In Scotland the Limitations period is FIVE years. To have any hope of getting a waiver, you'd need to provide a valid reason for the delay. Something like 'I didn't know' will be laught at unfortunately. However, I have to say that following the recent balls up by the OFT, the bulk of the actions against the banks are now history. The current flavour is in the pursuit of PPI which is often added to credit card accounts. THis is usually missold, and action possible.

[royalscot]

So you cant claim the banks for credit card charges , when they were £37

 

regards

 

rs

[buzby]

Not if they were shown in the 'price list' of charges. Most reduced the individual costs/charges to make them appear more reasonable. How was the £37 arrived at?

[IdaInFife]

credit card charges are still reclaimable

[buzby]

That door closed a few years ago, as the CC firms modified their charges with the expectation of sanctions. If the £37 comprised 2 or 3 different elements, then this is within the revised coatings. If the charge pre-dates this and it a one-off high charge, you can certainly ask, but it can be a valid defence that the claim should have been made much earlier, but there's no harm in trying.

[dx100uk]

I am about to start a claim for refund of Credit Card charges from RBS. Some of the charges on the account date back until 2002.

I have noticed other CAG members have been successful claiming back charges over the 6 year limit and reference is often made to Section 32 of the Limitations Act.

Bearing in mind I am based in Scotland would I be able to quote the Limitations Act for charges over 6 years or would I make reference to the Prescriptions and Limitations Act when trying to claim back older charges.

 

FMC

 

there are very few successes in getting CC charges back past 5/6 yrs.

 

though many do capitulate after your MCOL

 

dx

[buzby]

There's no MCOL in Scotland. We're not that advanced!

[craigers]

i find the 5 years in scotland is disregarded by most card providers. quote the fos guidelines in your claim http://www.fos.org.uk/faq/businesses/answers/before_we_get_involved_a7.html

[maroondevo52]

I agree with Craigers, both my claims included 6 years of charges.

[buzby]

Just because they're too thick to spot the difference doesn't make it correct, though. If they were on the ball, they could invalidate the entire claim and the litigant would have to bear the full cost of starting again.