Vanderpelt vs J D Williams

**Vanderpelt** · 16th April 2009 08:42

Hey guys just looking for some advice really,

have started on my 2 catalogues (Naturally Close & Premier Man) who are both trading names/styles of J D Williams. I have written once asking for around £1,100 back for these two accounts and they have kindly given me back £40 on both (oh how generous of them). Just a few questions.

1) Has anyone had any success against them?
2) Do you have to go all the way to court to get the money out of them? also if they repay all the charges money, but not interest icon

(as that is court issued) can you go to court solely for the interest?

Thanks for you help

Van

**Thailand** · 16th April 2009 13:29

£40? LOL. I know plenty of people who have claimed all of their unlawful charges back. Write to them giving them warning that if they don't pay them all back, you'll commence a small claim icon

. I don't know of a template I'm afraid. Accept the £40 as part settlement or just knock of your claim amounts.

I don't know of an occasion where they have turned up in court (they know they are in the wrong).

If they pay up before court, you can't be awarded interest icon

unless you attend as you infer, but you could be funny about it and say you want it heard in court unless they pay it - as you have been wrongly deprived of any interest you could have made on your own money had they not helped themselves to it.

Glad to be corrected!

**Vanderpelt** · 25th April 2009 09:24

Thanks for the help, they ae dragging their feet (to be expected)

And i was wondering does anyone know where i can find a good POC icon

for these guys as my timeline says i should be suing next week !!

**Vanderpelt** · 2nd May 2009 14:17

Well, i have had there final responce, which offers to clear the outstanding balance on the acount (£271.66) I have asked for £595 so it will be £200 short.

Anyone else had any luck

Van

**Vanderpelt** · 5th May 2009 14:09

Anyone at all?

**Thailand** · 5th May 2009 21:25

I have never done a catalogue claim, but did they stipulate 'Full and final icon

settlement'? If they aint accept it and carry on at them.

If they did I personally would refuse it, but that's up to you. There is nothing in it left for them, they know they are guilty.

I'd have a good look around for a POC icon

, but I've PM'd someone who might be able to help.

**steven4064** · 6th May 2009 20:22

Catalogues are not really different from credit cards or store cards. Use a POC icon

like my GE or Goldfish ones

**Vanderpelt** · 20th May 2009 11:27

4shared.com - document sharing - download BCAPRPRT16113.pdf

here is the letter that they sent, if someone could have a read and help me on this one it would be great, they are offering £200 less than i have asked (in charges paid alone)

thanks

Van

**Thailand** · 20th May 2009 14:39

Usual bull, don't pay any attention. The OFT said it would not intervene at £12 or below (why JD charge £12). It doesn't make their admin icon

fees a true reflection of their costs (which they must be). These people love money more than anything else, think about why they are willing to wipe your balance.

Write back accepting part settlement saying Court claim will be submitted 27th May, or start the claim now as I don't think they'll change their mind. These people will likely keep pretending they are in control until you take it from them!

Use Stephen's POC icon

above and just amend it to fit your claim.

https://www.moneyclaim.gov.uk/csmco2/index.jsp

Shout if your wife is on any benefits as you can apply for remission (free or reduction in Court fee) and you'll get that back off them on winning.

Nothing is 100%, but I'd be very surprised if you lost.

keep us up to date.

**Vanderpelt** · 20th May 2009 15:08

Cool when i get home i will show you the charges and interest icon

i had worked out, so if they have paid off a certain amount of charges do i take them off the oldest and only claim for the remainder ?

hope that makes sense :P

**steven4064** · 20th May 2009 15:13

You can do it one of two ways - either take them off the claim or leave them on but note in the claim that soem of them have been paid. The second option underlines the fact that they must know the charges are not lawful so why are they not paying the rest back too?

**Vanderpelt** · 20th May 2009 16:38

4shared.com - document sharing - download Charges for both Accounts, Online.doc

here is the charges list, so do i state that they have repaid XXX (what ever that happens to be) but seek the balance of Charges and interest icon

?

**steven4064** · 20th May 2009 16:41

yes

**Vanderpelt** · 20th May 2009 16:48

Cool ( i like short and to the point, i will throw something together and stick it up if i may).

Also i have claimed on another JD williams account which they have remained silent on, should i also just go to court with that one as well?

**steven4064** · 20th May 2009 16:52

why not?

**Vanderpelt** · 20th May 2009 17:21

No particular reason, just needed it all straight in my head i suppose :P

**steven4064** · 20th May 2009 17:23

Go for it then

**Vanderpelt** · 21st May 2009 09:27

4shared.com - document sharing - download POC - Naturally Close.doc

Here is the poc for them, good enough to go with ?

**steven4064** · 21st May 2009 09:30

Unless you wanted a bit of fun and go with compound interest icon

instead of s69 - look at the POC icon

in my Goldfish thread

**Vanderpelt** · 21st May 2009 09:41

I did consider it, but to be honest, my wife is a bit nervous about all of this anyway (as we have lived under this cloud for a number of years) and i think that it would make her happy to get the money back and a little interest icon

, then possibly have to go to court to argue my case (and what responsible husband would case his wife distress icon

, i am brave not stupid) :P

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