Monument Charges

tracyab1972 · 1st April 2007, 14:53

Hi Everyone

I have been charged by Monument £1020 on late payment and overlimit fees. My credit limit is only £250 and I owe them about £1075.

Last week I sent them the letter from this website requesting statements along with my £10 cheque. Yesterday I received a letter back from them giving me a spreadsheet with all the charges. They also gave me my £10 cheque back!

Can anyone advise what I need to do now?? Should I print off the template letter on this site, asking for the £1020 to be refunded?

hagenuk · 1st April 2007, 15:03

Spend some time readingthe FAQ's here and the Step by Step instructions here before you do anything else.

tracyab1972 · 1st April 2007, 15:45

Thanks for your reply. I have read the template letter regarding asking for refund of charges. The only thing that I dont know is how much overdraft interest they have charged. Monument only gave me a spreadsheet detailing the date, what the charges were for eg.. overlimit and late fees and also how much this charge is eg..£24.00,

I have calculated all the £24.00 charges which come to £1020. Do I delete the part in the template letter regarding overdraft interest and just ask for the £1020?

Thanks

Tracy

hagenuk · 1st April 2007, 19:04

As this is a credit card, any reference to overdrafts does not apply.

Look here for a credit card letter Credit/Store Card Letter Template (thanks Bookworm01036)

Curlyben · 1st April 2007, 19:08

tracy, don't forget to add in ALL the charges, even the newer £12 ones.
Now just because OFT advised CC to drop their charges doesn't make them legal, they are still profiting from the £12 ones as well.

You're in for a fight with Monument. I'm currently on that road myself.
They'll offer you the difference between the older £25 charge and the newr £12 one.
Stick to your guns and time scale and we'll see them in court

tracyab1972 · 2nd April 2007, 18:13

Thats really helpful, thank you

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