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Charges pre May 2008


caro
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Thanks

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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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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?

The Consumer Action Group is a free help site.

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

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.

 

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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

The Consumer Action Group is a free help site.

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

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.

 

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