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Alliance & Leicester / Santander Unfair Credit Card Charges

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Hi, I hope someone will be kind enough to enlighten me on the current situation regarding unfair credit card charges.

 

I have received some old statements and on reviewing, there are various over limit / Late Payment charges for £20 from 2005 - 2006.

 

Can I still attempt redress from A & L or am I too late ?

 

Cheers

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No it's not too late for credit card charges, and if you have any later ones for £12 you can claim them too.

http://www.consumeractiongroup.co.uk/forum/showthread.php?405889-Reclaiming-Credit-Card-Charges-Preliminary-Letter-Before-Action


 

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 it's not too late for credit card charges, and if you have any later ones for £12 you can claim them too.

http://www.consumeractiongroup.co.uk/forum/showthread.php?405889-Reclaiming-Credit-Card-Charges-Preliminary-Letter-Before-Action

 

Thanks caro

 

I will also search site for further details regarding c/card charges as I seem to be getting conflicting info from other sources.

 

I have just had my claim with Barclaycard rejected on the basis that complaint is too late ?

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Well that's odd because in our experience Barclaycard will cough up if you start court action! :lol: You would need to mention the Statute of Limitations Act in your claim to get over the fact that the charges are from over 6 years ago. They do tend to wait until a court date is imminent but then they cough up. I suggest that you start a thread in our Barclaycard forum outlining what you've done so far and I'm sure that you'll get advice on how to progress this.


 

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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Well that's odd because in our experience Barclaycard will cough up if you start court action! :lol: You would need to mention the Statute of Limitations Act in your claim to get over the fact that the charges are from over 6 years ago. They do tend to wait until a court date is imminent but then they cough up. I suggest that you start a thread in our Barclaycard forum outlining what you've done so far and I'm sure that you'll get advice on how to progress this.

 

OK and cheers again caro.

 

I was going to issue a LBA anyway as I did mention it and various other details, in which they have not even acknowledged or replied to.

 

I will post up details under Barclaycard as advised including the Final Response Letter.

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Just a side note.

 

My cases invovle interest in restitution

To do that you select a Compound interest rate and apply that to the charges.

 

Advantages = Easier to work out. Bank will try and fight it though.

 

Doing the normal interest rate means you have to work out what interest rate you were charged for which charges and when interest was stopping being charged etc. This can be more involved in working out.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Just a side note.

 

My cases invovle interest in restitution

To do that you select a Compound interest rate and apply that to the charges.

 

Advantages = Easier to work out. Bank will try and fight it though.

 

Doing the normal interest rate means you have to work out what interest rate you were charged for which charges and when interest was stopping being charged etc. This can be more involved in working out.

 

Cheers again and is there a link to mentioned spreadsheet ? And how do you select a compound interest rate ?

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