Claiming back Credit Card charges.?

Question

I want to claim back my credit card charges, can i use the same draft letter that everybody is using for the banks?

Answer 1

as far i've read yes because the whole charges thing was brought about for credit card companies hence the reason they reduced their charges to £12. the link below will give you templates, info and has a forum if u got questions. i say go for it and if necessary improvise the information is available.
good luck

Answer 2

If you do not have money to prevent the account from being charged off or if it has already been charged off by the lender, you can save yourself by taking the following steps:

Do not panic.

Accept you still have a chance to sort out the matter by negotiating with the actual lender or the collection agency responsible for your account.

Bargain for a lump-sum settlement with the creditor or collection agency. Aim to pay 50% or less, and ask the charge-off to be erased from your credit report as a pre-condition to the settlement. Many lenders will not accept it, but still make an attempt. If they accept, ensure they will update your credit report to tell your prospective creditors that the issue has been sorted out.

If you fail to cut a deal with the collection agency responsible for handling your account, wait till it is handed over to another agency. Ultimately it will be handed over or sold to an organization with whom you can deal to sort out the matter.

To summarize, a charge-off does not cause financial ruin. Try to avoid it as much as you can, but do not worsen the situation by accepting to make the payments that you cannot make. Your creditor is not interested in a charge-off, just like you. Hence use this information to your benefit by making a mutually acceptable agreement. Write down the terms of agreement, do not give out the details of your checking account and follow up to ensure the lender gives the correct status of your account to the credit bureau. In the end, it is simpler to sort out a charge-off situation before it takes place or sort it out, once it has happened.