Help getting Catalogue charges reclaimed

I have accounts with Studio and also Fashion world

the admin charges from Studio £28 plus £12 are crazy

around the same for Fashion world

been paying these for near on ten years

these accounts will never go down

been to CAB who advised me to write asking for my credit contract

and also payment history and in closed a £1cheque for each account

have have them 40 days to respond what next?

I would be very great full of any thoughts

thanks Mike

really struggling to pay off this account

keeps getting higher

I have never seen a credit contract and never signed anything

same with my other account Fashion world exactly same thing never knew this was as bad as it was as my wife looks after these accounts been paying these near on 10 years now

I went to see the local CAB

they advised my all these fees except the default fees are reclaim able

and write and ask for your credit agreement enclose £1 cheque

also ask for all you statements under the protection act

letters went off today

just a waiting game now

could do with a bit of advice really don't know what I can ask for back

and how to do it advice would be very welcome

thanks Mike

random posts on various old threads merged to your own thread

so you've sent each one a CCA request

and you have an SAR running for each to get all the statements?

dx

Thanks so much Sir.

Thing is today I received some statements from Studio

the date my account started was 1/01/92 but no entry's from that time

first entry is 18/01/12 so ten years statements missing

also even though Studio have cashed my cheque

no credit contract

not surprised because I've never seen or signed one

do I ring Studio n ask for missing statements and contract or just give them time as yet nothing from Fashion world.

Early days any thoughts please would be very welcome

Really would like advice to know if I should phone Studio for missing statements

n how far back can I claim for

also do I claim the £20 sometimes £12 for default late payments

or should I just sit tight it was only ten days since I sent the SARS out thanks

just like to say Hello to everyone the main thing that brought me here is Catalogue charges n claiming them back

didn't even know they was so bad as my wife normally looks after them

didn't know like when she makes a £50 payment to them £38 is put back on in charges

n because in disabled n on benefit really struggling to pay them off

so going to try n claim them back your thoughts would be very welcome

Thanks Mike

Welcome, how are you currently paying..

Hi Dude n thanks for a reply currently paying cash at bank when we can with payin slip

At the moment I started a thread on the 17/9/15 when I sent two catalogues SARS Studio and Fashion world both accounts have cashed my £1 cheques but only had a few statements from Studio early days thanks Mike

you mean you've sent a CCA request that's £1

not an sar that's £10.

you can reclaim ALL the various fixed sum fees {£12 usually from 2006 - £20 ish before that letter/late/over]

Hi yes that's righting

sent the two catalogues a request for copy of my credit agreement enclosing £1 cheque and for all my statements

so I can add up charges this has been going on ten years

I need to claim these charges back

yesterday I received 3 years statements from Studio

some missing my account from Studio started on1/01/92.

The first entry off the statement they sent me is 1/01/12.

some missing no credit agreement has been sent although they have cashed my £1 cheque

there can't be a credit agreement because I've never seen one or signed anything .

Nothing as yet from the second catalogue I sent a request to Fashion World

but warily days do I ring Studio n ask for the missing statements

With Studio it's all service charges plus default charges

just in the 3 years statements Studio have sent me the charges add up to £748 that with out the default charges .

I have been to Hull CAB and was told they are allowed to charge for myself missing a payment £12

then again if the minimum payment wasn't bounced up by service charges I proberly would have paid it

thank dx100uk

a cca wont get you historic statements

an SAR will.

the £12 charge or any PENALTY fee are unlawful under FCA guidelines and the ruling they made in 2006

had a read of a few cat reclaiming threads in the forum you are in.

dx

Why I sent £1 and a request was advice from Hull CAB

I see what your saying

can I ring Studio and ask for the remaining statements

they won't have a contract for me as I haven't Signed one

but they have cashed my cheque

I only sent the request on 17/ 11/15 so early days I've gave them both 40 days to respond as advised by CAB thanks dx100uk. Mike

Hi all a small ? While I'm waiting for my contract agreements being sent out and also statements do I still pay the normal payments on my account for Studio and Fashion world thanks any thought guys. Mike

they have 12+2 working days IF you sent a CCA request.

Hi dx thanks for the reply Gave them 40 days to reply advised by Hull CAB was this wrong plus the also told me as im disabled and on benefits if they do not comply then I contact the financial Ombudsman is this wright also thanks Mike

was this a cca your sent or an sar?

dx

Hi mate it was a cca thanks Mike

Then they only have 12+2 days in which to respond. After that the account in dispute letter...

Oh blast and in the letter I gave them40 days never done anything like this before so do I send them another letter also they have both cashed my cheques received no contracts because I have never seen any just a few statements from Studio my account started in1/01/93 but first statement sent date 1/01/12 so some missing thanks dx Mike

doesn't matter what you said

legally they have 12+2 working days to respond with an enforceable agreement

if they fail that

don't write

simply invites letter tennis

though you can if you wish cease payments

dx

Since they have failed to provide your agreement then it will be much harder for them to enforce at Court. Especially since the agreements were pre 2007.

Don't start letter tennis, but keep an eye on your credit file in case they try to get a CCJ by default.also don't ring them unless you are recording the calls.

Just sit back and wait to see what they respond with ok?

When was the last time you checked your credit file?

Hi dx blast and I said 40 days in the request I sent them

I've never done anything like this before

crap anyway they both cashed my Cheques Studio n Fashion world

only received a few statements from Studio account started 1/01/93 first statement date they sent is 1/01/12

so a few missing

should I send another letter or ring them

also do I still paY my account

sorry so many ?

Just wondering if seeing CAB was a good idea

thanks Mike

Credit file I've never checked my credit file

maybe I should just pay the charges because I wouldn't know how to and being on disablement benefits I couldn't take them to court

take us all the time to pay our bills

well I have a car on moterbilty so my credit should be ok

maybe this is why CAB advices about the financial Ombudsman

thanks dx Mike

Hi dx blast and I said 40 days in the request I sent them

 

I've never done anything like this before

 

crap anyway they both cashed my Cheques Studio n Fashion world

 

only received a few statements from Studio account started 1/01/93 first statement date they sent is 1/01/12

so a few missing

 

should I send another letter or ring them - either

 

also do I still paY my account - until the CCA fails the 12+2 working days limit

 

sorry so many ?

 

Just wondering if seeing CAB was a good idea - not really

 

 

thanks Mike

dx

Credit file I've never checked my credit file

 

 

maybe I should just pay the charges because I wouldn't know how to and being on disablement benefits I couldn't take them to court

take us all the time to pay our bills

 

 

well I have a car on moterbilty so my credit should be ok

 

 

maybe this is why CAB advices about the financial Ombudsman

 

 

thanks dx Mike

get your credit file

noddle below is free

see if the debts show please

dx

Call me stupid

after all you get told

don't think I should just give my bank details away dx

sorry dosnt feel to safe

call me stupid

I always seem to get credit

sometimes to much

I've had a stroke a couple of years back

makes my always try to keep bank details extra safe

after all you get told mate thanks Mike

1000's of people have used noddle

not one report

its simply for verification

if not use clearscore then

dx

As I say dx don't feel right giving details away plus incurring extra costs especially in my current financial situation thanks for all your advice Sir but as I only have benefits to play maybe I should not have started this n just pay the charges , can't see why my credit would be not good as I revive loan offers very often also have bank loans no problem getting credit thanks Sir Mike

Do the financial Ombudsman charge for there services the CAB seems to think because I'm on benefits (DLA) they are free maybe that would be my best bet thanks for all your help dx I'm not good with matters such as this I was a carpenter before all my troubles thanks Mike