Fuming - Help Please

rascal3103 · 29th July 2006, 11:38

Dear All,

I realie this isnt YB question, but I do not see a section for this institution, and as I already have a YB thread I thought I would post here.

I sent a cheque payable to a catalogue for the final balance of £25.30. for some reason it has not been cashed, but anyway they have now charged me £25, making my account now over £50. I phoned up and stated these were charges for missing a payment, I stated they were penalties and under common law they can not charge me this, they are already charging interest. She said that they were charges, but under my terms and conditions they were allowed to charge them. I stated no they were not and I was a member of the CAG and I kno wmy rights and I am having a similar issue with YB

She stated that they were not a bank and therefore could charge these penalties.

Can i chase them or am i flogging a dead horse, is she correct ?

Thanks

Stef

Michael Browne · 29th July 2006, 13:32

Quote:

Originally Posted by rascal3103

Can i chase them or am i flogging a dead horse, is she correct ?

No she's not. You can claim this back, same process.

rascal3103 · 29th July 2006, 13:45

cheers mate, letter will be in the post today

Can a mod move this to the right section, apologies i did no notice the section for "others"

Thanks

trundlecat · 29th July 2006, 15:13

Cheeky s*ds! There are quite a lot of folk claiming back of catalogues. Go make em change their attitude Rascal

rascal3103 · 29th July 2006, 15:44

will do truny. How is your YB claim going by the way ?

I have also been reading up on the Early Redemption Penalties charged by mortgage companies. People are winning......thousands and thousands, only a few had success so far, but i am going to hit the Abbey National were it hurts.

I swopped from them about 4 years ago, sure we paid around 5k in redmeption charges. I hope its just under to be honest so that i can go the small claims way and not worry about defence and solicitor charges.

trundlecat · 29th July 2006, 15:51

YB are being their usual chimp selves Rascal. I just can't take them seriously anymore. Stalling tac-tics galore but it'll make the victory even sweeter knowing it hurts them so much to be paying out

The redemption fees thing is terrible, fancy charging folk a fortune because they don't want to be in business with you anymore! If only we could all get away with what the finance industry does. Looks like you're gonna be busy for the next few months

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