Personal Finance

Claiming Credit Card Charges

Hi all, I want to send a letter to my credit card company to request all charges and fees on my account as advised by Martin Lewis (moneysavingexpert.com).

The sample letter on the website provided is not working so can anyone advice me what I can put in the letter?

Thanks

Sonak Wed 30/04/08 11:45

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Sammy Snake
Wed 30/04/08
13:22

[INSERT NAME, ADDRESS AND TELEPHONE NUMBER]

[INSERT DATE]

[INSERT NAME AND ADDRESS
OF CREDIT CARD PROVIDER]

Dear Sir or Madam,

Re. Account number: [INSERT ACCOUNT NUMBER]

I am writing to request that you repay all the late payment fees and/or over limit fees that have been applied to my account.

I do not believe the charges reflect the true cost to [INSERT NAME OF CREDIT CARD PROVIDER] and are unfair and disproportionate. I am therefore requesting a refund based on the Unfair Terms in Consumer Contracts Regulations 1999.

[Include this section if your charges are from before April 06 or DELETE]
This is supported by the Office of Fair Trading’s April 2006 statement into credit card charges, which noted that the level of charges at the time, and prior to that period, were unfair.

[If you are not asking for interest use this section or DELETE]
The charges total £[INSERT TOTAL CHARGE]. I believe I have been unlawfully deprived of the money and therefore ask that you repay me the full amount. Please find a full schedule of the charges with this document.

I therefore ask that you repay me the full amount of [INSERT TOTAL OF CHARGES PLUS INTEREST]. I have attached a full schedule of the charges and interest with this document.

I look forward to a full response to this letter within 14 days.

Yours faithfully,

[YOUR SIGNATURE]

[YOUR NAME (PRINTED)]

ALWAYS INCLUDE A LIST OF CHARGES AND BE SURE TO KEEP A COPY FOR YOURSELF. YOU CAN USE THE PRINT OUT FROM THE CALCULATOR IF ASKING FOR INTEREST.

Sammy Snake
Wed 30/04/08
13:23

That letter i sthe one from moneysavingexpert website, it is working fine for me.

Sonak
Wed 30/04/08
15:15

Question Author

Thanks Sammy Snake, I'll just copy and paste from your text. But I need to first request from the credit card company all the charges and add them up first and send this letter to them after. Thanks again

Postdog
Wed 30/04/08
16:28

An off the wall suggestion, but having you also considered paying within the time allowed?

Sonak
Wed 30/04/08
20:04

Question Author

Hi Postdog - what do you mean?

buildersmate
Thurs 01/05/08
08:08

He means try and avoid incurring the charges in the first place by paying on time. Avoids all this hassle you are now having to engage in.

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