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

[banksworstnightmare]

Hi,

 

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.

 

Thanks:)

[caro]

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.

[chorlton1]

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)

 

If its any help have a look at my thread - think there are some contact no.s etc on there:

 

http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/54373-chorlton-amex-twice.html

[steven4064]

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

 

Steven

 

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