Credit Card Charges Tool Step by Step

This page was last updated on: 29/04/2008
 

Before you start...

This page is part of the "Reclaiming Credit Card Charges".
You may find it useful to read the article before you start these steps...!

Please note

These letters only apply to credit cards. Click here to find out more about Personal or Business accounts.

Step One Checking Your Personal Details
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Please check your personal details below. It is important you make sure these are all correct as the bank will use them when replying.

If you change any fields, make sure you remember to click update.

Step Two Selecting a Credit Card Account
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Please select the account you would like to generate the letters for.

If you have not added any of your credit card accounts yet you can do so below by clicking "Add New".

Select Credit Card Account

Please select the credit account you would like to use.

CC Issuer
CC Account Number
 


Step Three Create Letter 1
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You need to complete steps one and two before you can create letter 1.

Now you are ready to generate Letter 1. When 'Generate Letter 1' is pressed you will receive the letter as a PDF to the email you registered with at DebtWizard. You can also view the PDF online or download it to your desktop.

Make sure you have selected the right bank account from step 2 before you generate this letter.

 

For more info about Letter 1 read the Reclaiming Credit Card Charges article.

 

Generate 'Letter 1' PDF
 

Step Four Inputing your charges
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For letter 2 you will need the charges you are claiming back.

Make sure you have selected the right bank account in step 2 and input your charges below into the calculator.

There are three different options you can choose

  1. Let DebtWizard calculate the interest rate (will calculate the compound interest of your charge at the rate of 8%)
  2. Enter your own rate (will calculate the interest at your own desired rate)
  3. I am not claiming interest on this charge (the calculator will not add any interest to your charge, and it will not add any interest for this charge into Letter 2)

 

Don't worry about saving these figures as they are saved automatically when you put them in; you can always come back at anytime to finish them off.


Add Credit Card Charge
 
 
If you let us calculate the interest we will use the standard 8% base rate.

 
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Totals
 
 

Step Five Creating Letter 2
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You need to complete steps one, two and four before you can create letter 2.

Now you are ready to generate Letter 2. When 'Generate Letter 2' is pressed you will receive the letter as a PDF to the email you registered with at DebtWizard. You can also view the PDF online or download it to your desktop.

Make sure you have selected the right bank account from step 2 before you generate your letter.

 

For more info about Letter 2 read the Reclaiming Credit Card Charges article.

 

Generate 'Letter 2' PDF
 

Step Six Creating Letter 3
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Go to www.moneyclaim.gov.uk


In the ‘Particulars of Claim’ section on the form, insert the following;

Between (insert date of first and last charge) the Defendant applied a number of default charges to the Claimant's current account.

The Claimant claims that these charges are unlawful because they are a breach of the Unfair Terms in Consumer Contracts Regulations 1999 which state: 'A term is unfair if it requires any consumer who fails his obligation to pay a disproportionately high sum in compensation.'

A charge is deemed to be penalty and it does not reflect the Defendant’s true costs.

I am entitled to claim interest at 8 per cent per annum from the date when charges were first applied to my account until a judgment is made.

The Claimant asks the court to enter judgment in their favour for the sum of (insert total amount of charges) plus interest.