HSBC VISA CREDIT CARD

[holteender_rob]

I've racked up a lot of charges over the years for late payments on my HSBC credit card and was actually told this morning that due to me not paying my minimum payment yesterday I've incurred another £20.00 fine, joy!

 

I'm in the early stages of gaining a schedule of charges for my current account for which I understand the penalties are recoverable. For my credit card however, are these charges recoverable too?????

 

any feedback or success stories would be very reassuring!!!!

 

thanks.

[brindles]

yes you can claim credit card charges...they normally cough up quicker than the banks,although they will dig there heels in over interest IMHO.

[Castlebest]

Use exactly the same process as you are doing with your current account and keep us posted how your getting along

 

 

pete

[brindles]

hi.

The template for credit cards is here.

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/121-bookworm.html

 

[johnnymitch]

Hi Holteender , welcome to the forum

 

You say that you are in the early stages of reclaiming your Current account charges , if you sent a SAR then you should get all the stuff they have on your Credit Card Account too ...... all for the same tenner ......

 

If you didn't send a SAR you want a CCA for your Credit Card documents :

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html#post162353

Letter 'N' on this link is the one you want.........

 

By all means come back and ask if you have any queries .... someone will answer .... and we're user -friendly on here..........

[what_todo]

I've racked up a lot of charges over the years for late payments on my HSBC credit card and was actually told this morning that due to me not paying my minimum payment yesterday I've incurred another £20.00 fine, joy!

 

I'm in the early stages of gaining a schedule of charges for my current account for which I understand the penalties are recoverable. For my credit card however, are these charges recoverable too?????

 

any feedback or success stories would be very reassuring!!!!

 

thanks.

 

this this link OFT Current credit card default charges unfair - Press releases 2006

http://www.oft.gov.uk/news/press/2006/68-06

 

 

the max charge is £12 from the oft, anything over you can reclaim

Edited March 28, 2009 by what_todo
added las 2 lines

[holteender_rob]

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