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Query: Can I claim back £8 Amex charges??


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I've recently paid off my Amex after they increased my interest rate from 6% to a whopping 25% because I late paid a few times.


I only had the account for a year and was charged £8 on numerous occassions for both exceeding the agreed limit and late payments (sometimes exceeding the limit occured when they added late payment charges/interest onto the account.)


Is it fair for them to charge this amount? The charges only come to about £80.00 (i'm a/w copies of statements after ordering online so will need to double check) and I am tempted to try and claim this back as £80's better off in my pocket then theirs!


Any comments would be most welcome.





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Well they could always try and prove to you that it cost them 8.00 each time there was a problem. Seems a co-incidence that it was the same amount for each type of breach, and given the Whistleblower revelations it seems a tad high.


No doubt they will trot out the OFT report saying 12.00 but hey ho.


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FWIW I got back the full amount, but they were harder work on the more recent charges after they reduced them below the OFT "threshold" for definite "unlawfulness"


I have been looking at other Amex threads here and on other sites, and whilst they are still very quick at responding I think you will have to fight pretty hard to get the lot back BUT, for the price of a couple of stamps, what do you have to lose! :)


(and don't forget interest - they paid that up without a quibble)


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The £12 is irelevant - if they charge you more than it cost them then it is unlawful, even if its only 12p!




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