Food & Drink0 min ago
late payments
new to the site
recently paid a credit card bill -the due date was 31 jan 2006,they received the money 1st feb 2006 and charged me �25 .
where do i stand in getting this back as the manager i spoke to said it doesnt matter how many days they still charge...
ps I F credit card in case u where wondering
Answers
No best answer has yet been selected by discoass. Once a best answer has been selected, it will be shown here.
For more on marking an answer as the "Best Answer", please visit our FAQ.I can see where CheekyChops is coming from, really, but I also think that credit card companies and banks make obscene profits from people making genuine mistakes like you have.
In this case I would definitely phone up, politely, and firmly, and explain clearly that the payment was only 1 day late, it was a genuine, honest mistake, you are a good customer, and you think a charge is excessive and unfair. As previously suggested, making mention of the wide range of other companies which would be delighted to accept your business might be helpful. It never hurts to point out your disappointment with the company, and that you chose them because you expected to be treated like the good customer that you are. All this is, of course, assuming that you ARE a good customer ...
You don't think the late payment actually cost THEM anything like �25 do you?!
According to your contract with the credit card - the payment WAS late and this results in a charge which they're entitled to apply. Strictly speaking, your question "where do I stand..." is answered, "you stand with �25 less in your pocket" but there's no harm in phoning them up and politely and firmly asking them to waive the charge as a goodwill gesture. If the first person refuses, ask for their manager.
Ask for an outline of their complaints procedure and how you can escalate it to the next level, and the one after that...
Also ask if they have a central complaints department that you can phone or write to.
http://www.penaltycharges.co.uk/
http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632#reclaim
i think these sites say it all really
You didn't hear any alarm bells ringing then, because I can hear them loud and clear right now you lying little toad"
I've won awards for customer service you know ;-)