Looking for advice.
I have an interest free credit card and in May a fraudulent transaction appeared. This placed me over my credit limit and an overlimit fee was applied. My interest free offer was also removed.
I contacted the provider straight away and they refunded the fraudulent transaction but failed to refund the overlimit fee or interest charges.
And therein started an ongoing saga. I've spent hours (approx. 7) on the phone trying to sort this out. Written formal complaint sent in by me, they failed to respond and wrote to me and said I could go to Ombudsmen.
In August I spoke to them again as they then refunded three further transactions that they took to be fraudulent (they weren't and I don't know how they thought this). They promised everything was now sorted. All interest charges refunded, interest free period re-instated and the three charges re-charged to me.
Only is hasn't been resolved at all. They are now telling me they need to bill me over £700 as, rather than bill me for the correct transactions they have actually credited them - TWICE. By re-billing this I will go over my credit limit.
I have told them I expect them to waive these charges completely due to the significant problems they have caused and the time, effort and stress they have put me through. AIBU or is this a reasonable compensation request?