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Hi, I've recently started reclaims against several banks regarding credit card charges and so far most of them have sent partial refunds by cheque, none of which I have yet cashed as I thought this may prejudice my claim.

Is this the right course of action or do I cash them and then continue with the full claim? Also is it the case that we are still entitled to a full charge refund despite the ruling that set charges at £12 or are we only entitled to the difference?

All the charges I am reclaiming were applied to my accounts before this ruling.

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Hi, I've recently started reclaims against several banks regarding credit card charges and so far most of them have sent partial refunds by cheque, none of which I have yet cashed as I thought this may prejudice my claim.

Is this the right course of action or do I cash them and then continue with the full claim? Also is it the case that we are still entitled to a full charge refund despite the ruling that set charges at £12 or are we only entitled to the difference?

All the charges I am reclaiming were applied to my accounts before this ruling.

 

Firstly you are entitled to the full amount as the £12 is only the limit that the OFT set on CC.

 

You need to have a thread for each of your claims, this will enable you to keep track of where you are. I advise you to read the FAQs and the step by step instructions this will explain the process to you. You need to send letters accepting the payment as a part settlement but informing them that you will continue to seek the remainder.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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The OFT ruling is binding in the C/C companies not on the consumer. You are protected by contract law. In that instance any charges must reflect the the true loss of your breach of contract. You could send the companies who have sent you cheques this: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.ht. What you should do is start a thread on one of your credit card companies forum. Where you will find lots of help and advice. Good luck.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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