Credit card charges for Scottish customers

[KJP650]

I was just wondering if anyone knew the answer to this.....I read that if you live in Scotland you can only reclaim 5 years' worth of default charges on credit cards? (unlike those in England who can reclaim 6 years' worth).

Does this mean just at a small claims Court, or does it also mean if I apply directly to the Bank for a refund?

Thanks!

[Kafka]

Re: Credit card charges for Scottish customers

The Limitation period is 5 years in Scotland not 6. That normally applies generally to all causes of action, unless there are special circumstances.

[KJP650]

Re: Credit card charges for Scottish customers

Aww..does that mean if I write to my Bank I can only ask for the last 5 years' worth of charges? Or do you think they will they let me have 6?

[WendyB]

Re: Credit card charges for Scottish customers

Are you talking about bank account charges or credit card charges? They are two completely different things. Bank charges - not much chance at the moment until the new arguments and POCs etc following the OFT decision are sorted. Credit card charges - claimable as they are completely separate from bank account charges.

Which credit card company is it?

[KJP650]

Re: Credit card charges for Scottish customers

I'm only talking about credit card fees (late + overlimit fees). I know they're claimable, but can I claim only 5 years' worth (as I live in Scotland), or can I claim for all 6 years' worth?

It's Royal Bank of Scotland (plus others, lol)

[WendyB]

Re: Credit card charges for Scottish customers

If the limitations is 5 years then no doubt they will try to fob you off with 5 years. Have you actually started the process yet? It will be the credit card/card services arm of the bank. I claimed Natwest CC charges a couple of years ago without much trouble, as they are now part of RBS it may well be the same. You won't know till you try. Have a look at this thread TonyB v Natwest Credit Card ***settled***

[KJP650]

Re: Credit card charges for Scottish customers

Thank-you, but I can't view anything on that link - looks like it's dead :o(

[WendyB]

Re: Credit card charges for Scottish customers

http://www.legalbeagles.info/forums/...ead.php?t=1633

it's probably me - I am crap at technical stuff. If the link above doesn't work, go to credit cards forum, Natwest/RBS cards and you'll see it there.

[natweststaffmember]

Re: Credit card charges for Scottish customers

LOL, I have just told you the same thing as wendyB has said, except I told you on MSE(more or less)