MBNA Cash advance fees??

[thegujju]

Hi,

 

In the past I've used my Credit card to purchase foreign currency (this incurred a 'cash advance fee'). Can I claim for this as well as the late payment fees etc? Anyone have experience of this?

 

Thanks in advance!

[stan5131]

No, you cannot claim for cash advance fees. These are not penalty charges but more a service charge.

[thegujju]

Thanks for the quick reply!!!

[foxi]

No, you cannot claim for cash advance fees. These are not penalty charges but more a service charge.

 

Hi Stan5131,

 

I just received my list of charges and I'm not sure whether I can claim on the below?? Would you be able to provide any further clarity.

 

I have charges for :

Posted credit insurance fees ( think this is for cpp)

Posted retail interest

Special cash interest

Posted cash advance interest ??

 

foxi

[stan5131]

cpp - this is not a charge but Card Protection Plan.

Interest - all interest charges cannot be claimed as a charge.

 

However, when you work out your charges and put them on the spreadsheet, you can add contractual interest.

 

CPP - are your sure this is CPP and not PPI? If its ppi, there are threads on here covering the issues of PPI being mis sold and a very expensive product that most people couldnt even claim on.

[stan5131]

To clarify, you can claim

LATE PAYMENT FEES

OVER LIMIT FEES

PPI - if you feel it was mis sold to you (but make a separate schedule for this)

UNPAID DD - If your monthly payments were on DD and it bounced.

UNPAID CHEQUE - If you paid your bill by cheque and it bounced.

[foxi]

Thanks Stan5131 for the info. Actually you are right about the PPI got it mixed up with CPP.

 

foxi