Ikano offer me 50% charges refund

**Livis** · 27th March 2009 19:51

can anyone help me out with how to respond to their offer
ta
livis xx
http://www.consumeractiongroup.co.uk...tore-card.html

**steven4064** · 13th April 2009 23:38

Write and accept the offer as a part settlemen only and tell them you will contiunue your calim for the rest.

**Livis** · 8th May 2009 18:59

well i wrote back to them on the 15th April saying thanks i will accept the 50% offer and will pursue for the rest.
Haven't heard anything else yet???
Shall i pursue to the fos icon

now or send them another letter chasing them up?
As of yet i haven't received a letter from them saying this is their final response, do i need them to say that in order to proceed to the FOS?
Thanks Livis xx

**steven4064** · 8th May 2009 23:34

Personally I wouldn't bother with the fos icon

- tey are not much use. THe best way forward is to take them to court

**Livis** · 9th June 2009 11:25

Well, last week i recieved a further letter from ikano.
good news this time they are agreeing to refund the total amount of the charges.
My next question is they issued a default against me, shall i try and get it removed as the total amount owing on the account is due to charges ?

**steven4064** · 9th June 2009 13:49

If the default amount is largely made up of charges, then, yes, go for removal on the back of this proposed settlement.

The way to do it is to accept their offer as a part settlement only and say that, as the default was made up of the charges they are now offering to repay, you want the default removed as part of the settlement. If they don't agree,you will continue with the court case and ask the court for a ruling on the lawfulness of their charges.

**Livis** · 11th June 2009 11:48

Thanks Steven, your help is appreciated.
Just looking at the default that they sent me back in January.
Have they made a mistake as they have written Arrears £39.97, the further down in the letter it says you must pay the FULL amount you owe us of £39.97 by 30th January.
I wish i had of noticed it sooner as i could have paid that amount and be done with them! lol.
Also the date of letter is 15th Jan and the date they want payment by is 30th Jan, am i right in thinking they need to allow days for delivery?

**Livis** · 11th June 2009 11:51

sorry i don't know why the second scanned page comes out bigger

**steven4064** · 11th June 2009 14:59

By golly you are right! Invalid DN

The date is 15 January and it would be deemed served on the second working day after that, which would be the 19th January sonce the 15th was a Thursday. You then must be given 14 clear days to remedy, ie up until Monday 2 February. Game Over.

**Livis** · 11th June 2009 18:09

That's good news for me then

Should i explain all this to them in my letter when i ask that they remove the default notice?
Livis xx

**Livis** · 11th June 2009 18:12

also is it worth mentioning that they requested the full amount of £39.87 when it was actually £571.82?

**steven4064** · 11th June 2009 18:39

Originally Posted by Livis

That's good news for me then

Should i explain all this to them in my letter when i ask that they remove the default notice?
Livis xx

I would

Originally Posted by Livis

also is it worth mentioning that they requested the full amount of £39.87 when it was actually £571.82?

I think I would forget that given the DN is not valid anyway

**Livis** · 11th June 2009 18:51

Thanks steven, i will draft something up over the weekend xx

**Livis** · 9th July 2009 11:43

Hello all,
Ikano sent me this letter yesterday. HAs anyone any suggestions as to how i should reply, or do you think i should just accept the charges back?

**Livis** · 10th July 2009 09:15

any thoughts on this please ?

**Livis** · 11th July 2009 18:57

where have all you useful people got to

xx

**evancosmo** · 12th July 2009 19:07

Never heard a creditor say they had a legal obligation to record information with the CRAs.

Hopefully this will nudge the thread for one of our more learned colleagues!

**cerberusalert** · 12th July 2009 19:08

Have you received the 'Notice of Termination' on this a/c?

If you haven't you have unfortunately alerted them to the defective termination notice. The upside is they are being arrogant in believing that it is correctly served which could be your saving grace.

Personally, I would wait and do nothing for the time being. A problem I can see arising is if you accept their offer and they offset it against your a/c it could be seen as you making a payment and give them the opportunity to to reissue the DN.

**cerberusalert** · 12th July 2009 20:13

From http://www.consumeractiongroup.co.uk...ml#post2284911
Hello thankyou for your quick reply
Just had a dig through my ikea file, and i've found a letter from dec 08 saying..

"Your account is offically in default.
Your account has now been closed and the balance of £576.85 is payable in full by the 20th February 09.
If we do not recieve full payment by above date then we will register your default with a credit reference agency and pass your account to a debt recovery agent"

So does this mean the account is terminated?
I'm a little bit confused now, as looking through the file they seem to issue default notices like confetti!!!
Just found another 3 dating back to 2007.
Also looked at the CCA which was in the Subject access request icon

that i requested and that has absolutely no prescribed terms on it at all?
Do you think i should have a look at my credit report and see how many defaults they have actually registered against me?
I'm undecided what course of action to take now with this one??
:conf used:

Can you post it up on this thread? It is better to keep everything together then others can see what the situation is and what advice is/has been given.

**cerberusalert** · 12th July 2009 20:17

If you would like this thread moving to somewhere where it'll get more attention you could click the

on one of your posts & ask a site team member.

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