Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder BoSBoY Novitiate BoSBoY's Avatar

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    Question Jacamo Credit Account

    I set up an account with jacamo a few weeks back, they gave me a credit limit of 250 to start me off. its capped for three month according to the site until i have established payment history with them, suites me.. BUT
    i got the paper work though (i tend to skim the small print) and noticed that they stated the amount of credit is 25.00 not 250.00.. i still have access to the 250.00

    dose this matter, should i ask for a new agreement?

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  2. #2
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    Default Re: Jacamo Credit Account

    Jacamo AKA J.D.Williams...amongst other alias's.

    If you want to do things right, then call them and ask them to send out revised paperwork (I assume you need to sign a contract). Personally I'd just sign what they have stated, so if they play funny down the line you'd have more ammo on your side. This company's right hand doesn't know what the left is doing, they don't even credit check (well, they never used to). I suspect the they have missed a zero, in error, but that won't change your availiable balance - as you say.

    Having said that - whatever you sign will be binding, so it won't make any difference (I don't think) if it says 25 or 250...


  3. #3
    Basic Account Holder little2952 Novitiate

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    Default Re: Jacamo Credit Account

    Hi, I wonder if anyone can help,

    I have had a credit acc with Jacamo now for about a year. But going through some old transactions i noticed a 'Service Charge'- i hadnt noticed it before, which is strange but anyway, in the past six months every month there has been a sevice charge ranging form 15-22.

    So just wondering if this is a charge for having the privalilge of the credit facility or something more sinister?

    app any comments


  4. #4
    Royalties Account Holder
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    Default Re: Jacamo Credit Account

    What did they say when you queried it?


  5. #5
    Basic Account Holder little2952 Novitiate

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    Default Re: Jacamo Credit Account

    Hi, Well i have not queried it yet, i just wanted to know if anyone knew about it or had anything similar occurred.

    One thing that is puzzling me about this is, Im sure that wasnt on there before, like its been added....mmn


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    Default Re: Jacamo Credit Account

    Additions likwe these can be justified or unjustified, it all depends what it is, what it is for and whether you've been advised of it, which is why you need to start with their response.


  7. #7
    Basic Account Holder little2952 Novitiate

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    Default Re: Jacamo Credit Account

    ok thanks i will try and find out from them.


  8. #8
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    Default Re: Jacamo Credit Account

    What does it say on your Account page?

    Frederickson - CCA Sent 11/4/07 - Lost - Claiming back from post office
    Connaught Collections - CCA Sent 11/4/07 - No Agreement - returned to client
    Lowell - CCA sent 11/4/07 - No agreement - returned to client
    Moorcroft - CCA Sent 11/4/07 - No Agreement - returned to client
    Red Castle - CCA Sent 11/4/07 - Copy returned but no T&C's
    Robinson Way - CCA Sent 16/5/07
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  9. #9
    Basic Account Holder GreatWonder Novitiate

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    Default Re: Jacamo Credit Account

    Quote Originally Posted by little2952 View Post
    Hi, I wonder if anyone can help,

    I have had a credit acc with Jacamo now for about a year. But going through some old transactions i noticed a 'Service Charge'- i hadnt noticed it before, which is strange but anyway, in the past six months every month there has been a sevice charge ranging form 15-22.

    So just wondering if this is a charge for having the privalilge of the credit facility or something more sinister?

    app any comments

    I believe 'Service Charge' is their way of making 'interesticon' sound much nicer!

    I opened a JD Williams account and within 5 months my credit limit was 900. I have not purchased anything since my initial small order. Slightly O/T but I'm amazed at some of their prices on high street lines, sometimes over double other retailers selling price and then their extortionate interest on top!



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