Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
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i claimed £270 from Am Ex on 2 August, schedule of charges as follows:
Date
Fee
Amount (£s)
13.2.2002
Late Payment
15.00
13.3.2002
“ “
15.00
15.4.2002
“ “
15.00
“
“ “
10.00
“
“ “
15.00
2.5.2002
Collection fee
200.00
GRAND TOTAL
270.00
had no reply other than an acknowledgement, so sent them a lba yesterday (18.8). today i have received a letter enclosing a cheque for £20 as a goodwill gesture.
they say that the £200 referral fee was imposed by the Outside Agency, & not by Amex. it was in fact a DCA i paid.
so does this mean i have no comeback on this £200?
also, (i need to know that first of course), can i get back to AMEX & say 'fair enough, but please can i have the other £50'?
sorry, my table didn't come out in the post like it looked before i submitted! we are talking £70 in late payment charges, then £200 when they referred the debt on (very swiftly & i'd been a flawless customer for years)....
Hi,
I have been brought to the brink with bank charges in this last year as I have had so much financial trouble with an ex-husband! It has taken me over two months to get the bank statements with charges from the bank for the last four years. By my calculations of a maximum of £12 per charge - the bank now owes me approximately £3000!! I am about to calculate the 8% on this and then write and ask them for MY money!! I am heartily sick of large corporations and companies sucking the life out of their customers/consumers!! Wish me luck please!
Annette
Hello Folks, and welcome.
Firstly, hello to you Mel, yep, you can get your £50 back, just follow the instructions as anybody else would.
What was the £200 for? This was added by your bank?
Annette, why do you say maximum of £12, your charges were likely a lot more than this? Have your statements not arrived yet?
I really think you need to read a lot more as you don't have a good enough grasp of the whole process, take a couple of days to absorb as much as possible, this will save you a lot of trouble later on.
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
they say the £200 was added to the amount i owed but not by them, by the debt collection company. i actually paid Credit Solutions by phone immediately upon receipt of their letter of 7.5.2002, & i've dug out that letter. It states that the £200 is 'in accordance with Section 6 D (iii) of your Cardmember agreement'.
Not sure if that makes a difference., I would appreciate your views on whether i can claim any of the £200 back (bit steep for a letter), & if so who from.
If i can't claim from Am Ex, would I send them a revised lba for the £50?
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
Hi,
I have been brought to the brink with bank charges in this last year as I have had so much financial trouble with an ex-husband! It has taken me over two months to get the bank statements with charges from the bank for the last four years. By my calculations of a maximum of £12 per charge - the bank now owes me approximately £3000!! I am about to calculate the 8% on this and then write and ask them for MY money!! I am heartily sick of large corporations and companies sucking the life out of their customers/consumers!! Wish me luck please!
Annette
************************* ************************* Barclays current a/c: Settled £3,413.27
HSBC: Settled £753.00.
MBNA (bmi): Settled £580.00.
Egg Card: 16/11/06 Received letter -they will not pay the £200 charges nor remove default notice.
Please click the scales if I have helped you Thanks
i've read that thread Crusher. interesting content but it doesn't apply to me as i unfortunately coughed up in full out of fear at the time.
are you suggesting that i pursue Amex for the £50, & the Credit Agency for the £200?
i don't want to sue a company who can turn round & say it has nothing to do with them so i need a way of finding out who is responsible for levying the £200. otherwise i guess i'll have to drop it & feel even more cheated than i did before i saw the glimmer of hope of revenge.
I would imagine it's the debt collection agency, so it's them you will have to chase.
Get back your £50 from Amex, and the £200 from the others. If it is an unlawful charge, the same principles apply, the letters in the library should suffice with a little alteration. What does the £200 relate to? Writing a letter? It's pure profit extraxcted from one who can least afford it.
If you are unsure as to who levied the charge a couple of phone calls should clear it up. (I think it's the agency though)
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
I think I'll send a revised lba thanking Amex for the £20, pursuing the additional £50, & advising that I'll pursue the debt collection Co for the £200 (on their advice as to who raised that charge), but will be back to them should i discover otherwise.
The £200 is described as a 'referral fee'. Am Ex said it 'would be applied', the Debt Co that it 'has been applied', so no clues there.
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
On the Moneyclaim, should i claim the £70, or the £50 (as i have their cheque for £20)?? I've worked out the interest on the full amount (£70), which i want to claim in full, but don't want to complicate matters.
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
Crusher i was worried they might stop that cheque as i refused it! Also the interest is £25 (on the £70) as this all happened in April 2002. I want to claim the full interest you see! Unless that's not feasible???
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
Am Ex have sent me £20 cheque!!!
yesterday (18.8). today i have received a letter enclosing a cheque for £20 as a goodwill gesture
.
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Re: Am Ex have sent me £20 cheque!!!
Originally Posted by annette_p_baller
