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Charges pre May 2008


caro
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I have become something of a paperwork hoarder but before I need to call in the professional declutterers I've finally made a start on one of the piles that's hidden away.

 

I've stumbled on neatly filed statements for a number of credit cards that were paid off in May 2008. I'm fairly confident there will be charges but as they're probably over 6 years old, is there any point trying to claim them?

 

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Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Most definitely.

ps Do I get 20% commission for my invaluable claims management advice?

 

No commission Oleg but have a virtual drink on me when I get my money back! :-D

 

So what's my argument for them not being SB?

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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No commission Oleg but have a virtual drink on me when I get my money back! :-D

 

So what's my argument for them not being SB?

 

S32(1)© Limitations Act 1980 - Payments made under a mistake?

 

Kleinwort Benson v Lincoln City Council and all that.

 

EDIT: Ooops...forgot to say that it may well involve court action to go back that far.

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

5. Feel Bullied by Creditors or Debt Collectors? Read Here

6. Staying Calm About Debt Read Here

7. Thinking of a Full & Final Settlement? Read Here

 

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Easy peasy. S B does not apply to unfair charges. Some will claim otherwise but as you know you can post here if they start getting awkward.

[My fee just rose to 30%.]

Oops , apologies for inadvertent cross posting.

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S32(1)© Limitations Act 1980 - Payments made under a mistake?

 

Kleinwort Benson v Lincoln City Council and all that.

 

EDIT: Ooops...forgot to say that it may well involve court action to go back that far.

 

Thanks although I probably wouldn't bother with FOS anyway. Have to see if it's worth risking the court fees not to mention oleg's ever increasing percentage!! :p

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Yes he is getting a bit steep isn't he. :lol:

 

Fos won't be interested in charges reclaims, they will side with the OFT report and will just dismiss it. If you go to fos and they refuse then you have another hurdle to overcome in court if you choose that route. The reason being that fos is a duly authorised and (allegedly) competent adjudicator and judges will take that into account with a claim that has been turned down by fos.

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

5. Feel Bullied by Creditors or Debt Collectors? Read Here

6. Staying Calm About Debt Read Here

7. Thinking of a Full & Final Settlement? Read Here

 

How To Upload Documents To Cag

Instructions

 

WE DON'T GIVE ADVICE BY PM BUT IF YOU SEND ANY SITETEAM A LINK TO YOUR THREAD WE  WILL BE HAPPY TO OFFER HELP

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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