Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Reclaim charges.

    Hi all ,
    Been reading the forums for a while now ,
    just about to try and reclaim better halfs catalogue and store cards charges.

    I believe the route to go is SARicon each catalogue and store card.


    It seems over the years she has had two old Littlewood accounts and one current one and a current Very account ,


    she phoned shop direct earlier this week to verify account numbers and to check address for correspondence
    they gave her a Chelmsford address which seems to contradict other addresses I have found whilst browsing these forums
    those being the innovation centre park lane netherton bootle l30 1sl and Shop Direct Limited 1st Floor Skyways House Speke Road Speke Liverpool L70 1AB.

    Also we will be sending SAR's to Topshop, Dorothy Perkins and Outfit ,
    the address we have been told is Newday ltd PO Box 700 Leeds LS99 2BD.

    She also has an old Next account which is closed ,
    they have provided us with a letter stating the account number and that there was never any PPIicon on the account this was received after a phone callicon requesting the account number.

    which are the correct addresses to go with and also do we need to individually SAR each account and store card or one SAR to shop direct and one to Newday and one to Next ?


    Is there any specific requests needed for each SAR and over the last twenty years we have only lived at two addresses so do we include both addresses in each SAR.

    Some of the account/cards are pre 2007 and some post 2007.

    Thanks for your time , Andy.

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  2. #2
    Site Team martin2006 Highly informative martin2006 Highly informative martin2006 Highly informative martin2006 Highly informative martin2006 Highly informative martin2006 Highly informative martin2006's Avatar



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    Default Re: Reclaim charges.

    No you simply SARicon each company, not a separate one for each account although its a good idea to include the relevant account numbers for each company.

    Each company's head office address can easily be found online.


  3. #3
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    Default Re: Reclaim charges.

    Four SARicon's sent thursday via a courier , three received and signed for on friday and one returned to sender(me) as courier cant deliver to postbox as signature required , will resend with royal mail recorded next week.


  4. #4
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    Default Re: Reclaim charges.

    No acknowledgement from any of the above SARicon requests and phoned post office and none of the postal orders cashed as of today ......... just wait a bit longer I guess
    Thanks Andy.


  5. #5
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    Default Re: Reclaim charges.

    Wouldnt be expecting anything really till middle of April at the earliest


  6. #6
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    Default Re: Reclaim charges.

    Cheers Martin , had an acknowledgement of next stating they have till the 19th to respond , also SD phoned my wife explaining that there was no PPIicon on the account so what did she want them to do , she stated "I want you to send me all the information you hold on me for all the accounts I have had with you as I requested in the letter" , SD replied would you not rather go through a telephone complaint instead , my wife told them "no thanks I would like you to send me all the information as requested"

    Thanks Andy.


  7. #7
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    Default Re: Reclaim charges.

    Good stuff


  8. #8
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    Default Re: Reclaim charges.

    Acknowledgement received today from SD , we had three account numbers in the SARicon request , however there are eight account numbers on their acknowledgement ,will post details as they arrive.
    Thanks Andy.


  9. #9
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    Default Re: Reclaim charges.

    Received the SARicon from SD theres 27 12 charges but theres other figures pre 2011 on the same printout as the 12 charges ,I asked for an explanation of all codes used by SD and the codes supplied dont seem to include the codes applied to what look like other charges ranging from 25 and up ,if I post up a copy of these would anyone be able to take a look and possibly help ?
    Thanks Andy.


  10. #10
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    Default Re: Reclaim charges.

    Yes you can remove the obvious personal info and post them in a multi page PDFicon.
    Can you also post the codes list please?


  11. #11
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    Default

    Thanks Martin will post up now ,
    however I believe the other charges I mentioned that were 25 and up are items that were returned.

    As you can see from the attached file
    ( hopefully I have redacted them correctly )


    which is seven pages taken from the 200 plus supplied after the SARicon request,
    there are 27 12 administration charges for late or missed payments ,


    I think some of the numbers and codes are when SD reduced the credit limit as payments were made hence limiting the account ,


    some of the other numbers and codes I dont understand even though SD say they have supplied me with all code definitions.

    I think the outstanding balance on the accounts is about 500 which my wife is repaying at 50 a month.

    I find it amazing after trawling through the 200 plus pages very little reference to the APR they are charging her.

    I found the compound interest calculator on CAGicon but I am unsure what level to use ,other than going off what others have done.

    Any thoughts/opinions would be gratefully appreciated.
    Thanks Andy.

    Attached Files

  12. #12
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    Default Re: Reclaim charges.

    Put all of the charges into the spreadsheet and use an average of the interest they have used over the term of the account.
    If as you say there is little reference to what the interest rate is or was, use the rate you can see they have used.
    Pop it up for checking first tho.


  13. #13
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    Default Re: Reclaim charges.

    Quote Originally Posted by martin2006 View Post
    Put all of the charges into the spreadsheet and use an average of the interest they have used over the term of the account.
    If as you say there is little reference to what the interest rate is or was, use the rate you can see they have used.
    Pop it up for checking first tho.

    Hi Martin ,sorry for the MEGA late response , I have been visiting and reading the forum , but along with work and family its took a while to get round to planning the response to everything ,anyway here goes ,below are 2 redacted letters/emails I am about to send to newday and shopdirect after they both responded to my SARicon requests on my wifes accounts , requesting administration charges back with compound interest.


    Shopdirect


    "Thank you for responding and completing my SAR request for the above accounts ,after examining all the documents received I can see that there were numerous administration charges applied to my accounts.

    I now understand that the regime of fees which you have been applying to my account in relation to late fees are unlawful at Common Law, Statute and recent Consumer regulations.

    I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

    I calculate that you have taken 324 in charges and using a nominal compound interest of 24.9% I make the total charges and interest I feel you should return to me as of 19/5/17 709.99.

    As you will see the nominal interest I have applied is 24.9% and not the 30%plus that you apply to your customers ,I feel this is a fair rate as it is similar to many high street banks rates for small loans.

    I require repayment in full of this money,directly to me and not to be applied to my account or sent to any other third party. If you do not comply fully within 14 days, I shall begin a claim against you for the full amount plus further interest, plus my costs, without further notice. "

    Newday.

    " Thank you for responding and completing my SAR request for the above accounts ,after examining all the documents received I can see that there were numerous administration charges applied to my accounts.
    I now understand that the regime of fees which you have been applying to my account in relation to late fees are unlawful at Common Law, Statute and recent Consumer regulations.

    I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.
    I calculate that you have taken 374 in charges and using a nominal compound interest of 24.9% I make the total charges and interest I feel you should return to me as of 19/5/17 1000.42.
    As you will see the nominal interest I have applied is 24.9% and not the 30%plus that you apply to your customers ,I feel this is a fair rate as it is similar to many high street banks rates for small loans.
    I require repayment in full of this money,directly to me and not to be applied to my account or sent to any other third party. If you do not comply fully within 14 days, I shall begin a claim against you for the full amount plus further interest, plus my costs, without further notice."

    Would you like the spreadsheets uploading as well.

    Thanks for your time ,Andy.


  14. #14
    Gold Account Holder Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger's Avatar



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    Default Re: Reclaim charges.

    shopdirect interest rate is 39.9% see their adverts?????

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  15. #15
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    Default Re: Reclaim charges.

    Yes please Andy, pop the spreadsheets up aswell so they can be checked


  16. #16
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    Default Re: Reclaim charges.

    Quote Originally Posted by Old Cogger View Post
    shopdirect interest rate is 39.9% see their adverts?????
    Yep Old Cogger I agree ,but thought I had read it was easier yo get them to pay out by not going for the jugular.


  17. #17
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    Default Re: Reclaim charges.

    Yes please Andy, pop the spreadsheets up aswell so they can be checked
    Cheers here's the spreadsheets (sorry had to convert the open office documents to notepad files as the site software wouldn't let me uploadicon open office documents )

    Thanks Andy.

    Attached Files

  18. #18
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    Default Re: Reclaim charges.

    they will not in most if not all cases, but say need to speak to you when asked all in writing for the benefit of doubt, you hear no more they do not like paying out, only by agreement after a county courticon form against then is issued and the silent clause agreed on case?, reduced % shows weakness!

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  19. #19
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    Default Re: Reclaim charges.

    From what i can see Andy the spreadsheets look fine but might be a good idea to uploadicon PDFicon's as the . Txt files are difficult to read


  20. #20
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    Default Re: Reclaim charges.

    Banging my head against the wall ,
    been trying for two hours to convert the "CISheet v101" to PDFicon ,

    I have done this for other documents b4 and been fine ,

    I have tried converting it from open office and excel both to PDFicon and every time it cuts off the right hand side of the pdf ,

    I have tried using a load of online converters and open office pdf converter
    ,same thing everytime

    ,also tried reducing the margins and extending the page width ,

    when I do this I lose even more of the right hand side of the pdf ,
    yet when I preview the pdf before converting it looks fine ?

    Any ideas appreciated ,thanks Andy.



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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