Monument Payment Break Plan

**jedler** · 20th October 2006 13:05

Hi.

I'm trying to help my brother sort out the massive debts he's ended up with after not being able to keep up with paying charges levyed on his accounts.
We've received his Monument statements today and on each of his statements is a charge of between £15 and £20 for Payment Break Plan. As far as I can see he's not had a break and has been paying monthly (although sometimes late). Has anyone any idea what this refers to - and if I can claim it back for him? It seems a massive amount to pay a month (plus interest icon

and an annual charge).
Any help would be much appreciated.

Julie

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**nathal** · 20th October 2006 13:07

prob a charges for being in arrears i would imagine

**Mike220359** · 20th October 2006 13:42

This sounds like a payment protection policy, especially since it's variable.

I've had dealings with Monument about something similar they have a habit of putiing you into the scheme without you agreeing with it. I would ask your brother to
1) get in touch with customer services.
2) dispute that he agreed with it in the first place.
3) Do a CCA request (template in the site's library) chances are they haven't got the original agreement.

Mike

**e28bigalbexley** · 20th October 2006 20:34

[quote=Mike220359]This sounds like a payment protection policy, especially since it's variable.

That is exactly what it is (it is definatly not way of not getting a couple of months off from paying).

IMHO its title is very misleading, whether Trading Standards would see it that way is another matter.

And how many ppl do you know are ill enough not to work for more than a month anyway before the policy kicks in you would be better off paying the extra monies off the the total over and above your monthly payment.

AL.

**jedler** · 6th February 2007 21:35

Thanks for the help. I'll get straight on to it.

**Dotty111** · 7th February 2007 12:23

I am having the same problem with monument over this. I am convinced that I didn't sign and agree to this and so did A CCA request. All they sent me was a photocopy of my signature icon

and nothing else. I am now having problems with them as they refuse to admit they are wrong and have passed the account over to a DCA icon

to collect - not a good move on their part. £20-£30 per month over 7 years is a lot of money and i intend to claim back every penny. You will have to perservere with them as they seem to be making their own rules up as they go along. Good luck

**e28bigalbexley** · 7th February 2007 18:23

Paula
Without me hijacking this thread, if all monument have sent is a photocopy of your signature icon

and not a fully executed agreement which is fully legible and a copy of the terms and conditions icon

that applied at the time you got the card, the the agreement is unenforcable and if a further month has passed they are committing a criminal offence.
They cannot make up there own rules. You should.
1 Write to them and explain the situation
2 Phone Trading Standards and explain what has happened and make a complaint.
3 Phone OFT and make an offical complaint.
4 If you have'nt already send an Data Protection Act S.A.R - (Subject access request icon

) to get all your statements back and add up all payments since their default including interest icon

and if they still wont play ball, go to court.
Also i dont believe they cant process your info to CRA's if the agreement is unenforceable.
And Paula start your own thread.
AL

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