Reclaim Your Unfair Credit Card Charges!

By James Shaw

Letter Template Taking Legal Action

Replace the information in red with brackets with your own personal details before sending this letter to your credit card provider.

[Insert your name]

[Insert your address]

[Insert your postcode]

[Insert your telephone number]

[Insert date]

[Insert name of credit card provider]

[Insert address of credit card provider]

Dear Sir/Madam,

Ref: [Insert your account number]

As I have not yet heard from you in response to my letter relating to default charges applied to my account, I am now writing to inform you that unless I receive a satisfactory proposal for settlement of my outstanding claims totalling £[Insert total sum of the charges you wish to reclaim] from you within the next 14 days I intend to issue a claim against you in the county court for the full amount owed plus interest and any court fees I incur as part of the proceedings.

For your reference I have attached full details of these charges and a copy of my earlier letter.

Attach a copy of your earlier letter and a list of charges made to your account including the date on which the charge was applied and the exact amount. You will also need to keep a copy of both for yourself.

I look forward to receiving your response.

Yours faithfully

[Insert your signature]

[Insert your full name]

Feel free to use this template although it is intended as a guide only. You will need to amend the details and information to reflect your own individual circumstances.