Thread: Ambrose Wilson - Home Shopping Direct

I have been battling with Ambrose Wilson to come to smoe arrangement to pay a reduced amount in settling my bill with them. I have received endless charges placed on both accounts and also constant recorded phonecalls and phonecalls from them even on a Sunday. I just sware down the phone and hang up. I have informed trading standards and OFT of this and await their reply.

In the merantime Ambrose Wilson have sent me a letter stating that:-

The OFT set out their views on the general principles that credit card providers should apply when calculating the charges that they make when a customer fails to make a payment on time under a credit card agreement. The OFT did say that banks and other finance businesses should consider those principles when setting similar default charges for other types of financial products. However in setting the 12.00 threshold figure for default charges in relation to credit cards, the OFT said that this was an interim measure to move the credit card industry towards compliance. The OFT did not say that the 12.00 threshold was applicable to other types of consumer agreement and have not set a threshold sum or maximum figure for default charges under othe types of agreement, such as the one we have with you. etc., In the circumstances we are not prepared to make a refund of charges. We incur costs and expenses as a result off non payments. We are in the view that these charges arte jusdtifiable and not a penalty.

They are still not accepting my reduced payment and the unfair charges they have slapped on therefore increasing the debt. They now say they will offer a cash account so I can still buy goods from them on cash basis and I have 8 weeks to respond.

What position do I stand in right now and what next do I do.

regardws,


Mashmallow

Hi,

First we need to know what youve done so far.

What stages have you got to in seeking to reclaim these charges. Have you sent SAR to obtain your statements, and was their response above a response to an lba?

Have you made a request for the credit agreement?

Thanks for replying, no I have not sent a SAR shoudl I do this? and if they send one will I be able to get these charges taken off even though it is because payment was not sent because they would not eccept my offer of £5.00 per month?


Thanks

Mashmallow

:-|

Doesnt matter why they added the charges - theyre unlawful and the company knows it. Get the SAR out asap (recorded delivery!) so you can find out how much of this debt is made up of charges.

Thank you I will do that and see what comes out.

Best Regards,

Mashmallow XX

Have you requested the credit agreement from them? If not do that too.