Hello,
Credit card fees are not covered by the OFT court case early next year. This applies to charges applied to current accounts.
Credit card charges are therefore reclaimable now.
Credit card charges were dealt with in early 2006 when the OFT determined that such charges for late payments etc should not be more than £12.
Pretty much all the card companies changed their charges to £12 at that time.
In practice most credit card companies will freely refund the difference between the charges they levied and the £12 now determined to have been fair.
A letter to the credit card company asking for details of all charges over the past 6 years gets you the ammunition. They can charge up to £10 to provide this information to you. Then write demanding that the difference between the actual amounts charged and the £12 charge (during the past six years) are refunded immediately. No harm in asking for some interest either.
Andrew Graveson
Mortgage Broker & Bright Oak Debt Management
andrew@brightoak.co.uk
www.brightoak.co.uk