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)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
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London
NW11 7PE



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  1. #1
    Platinum Account Customer lickthewallfatboy Highly informative lickthewallfatboy Highly informative lickthewallfatboy Highly informative lickthewallfatboy Highly informative lickthewallfatboy Highly informative lickthewallfatboy Highly informative

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    Default Monument claimants-can you assist please?

    My wife has got in her statements from Providian/Monument,and to be honest there aren't too many problems with it.

    However,there are a few occasions when she went overlimit.There is a bit at the bottom of the statement which says-"YOUR ACCOUNT IS OVERLIMIT.TO AVOID FURTHER CHARGES PLEASE DO NOT USE THE CARD UNTIL YOU PAY THE DIFFERENCE BETWEEN LIMIT AND BALANCE

    Fine-however there is no fee itemised anywhere on the statements.They obviously have charged something,otherwise they would not have used the word "further" as regards charges.

    Can anyone tell me what Monument charged up until August in 2006,during 2004,and for Providian during 2003, for overlimit fees?

    many thanks

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  2. #2
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    Default Re: Monument claimants-can you assist please?

    It is £24 for late payment fee and £24 for being over your limit. It is printed on all the statements so if you had been charged it would be on there.

    I am claiming £480 back from them in charges and I filed in the court today. I sent a prelim letter and an lbaicon and they ignored them all!


  3. #3
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    Default Re: Monument claimants-can you assist please?

    it's a bit of a mystery-the wording suggests they have charged already,but it's nowhere to be seen......


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    Default Re: Monument claimants-can you assist please?

    that is really strange. It is listed on my statements usually as Late Payment Fee or Over Limit Fee.


  5. #5
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    Default Re: Monument claimants-can you assist please?

    Evening...I was just thinking exactly the same, as I have just this evening added up all my charges - £1082 in total from around 2001 to present.

    BTW, it's the older statements (pre 2002) that is like this for me.

    Prelim will be sent tomorrow.

    Robin

    Joint acc - Halifax - S.A.R - (Subject Access Request) sent 06 Oct 06, some statements received 24 Oct 06 - £264 so far! Prelim sent 26 Oct 06. here

    Bills acc - Halifax - S.A.R - (Subject Access Request) sent 06 Oct 06 - £957 so far. Prelim sent 31 Oct 06

    Old Student Account - £1082.49 charges and contractual interest - Prelim sent 01 Nov 06

    Capital One - S.A.R - (Subject Access Request) sent 26 Oct 06 here

    Monument - S.A.R - (Subject Access Request) sent 26 Oct 06 here

    Wifes old Lloyds TSB - Gonna nail 'em

  6. #6
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    Default Re: Monument claimants-can you assist please?

    there's something funny going on here......


  7. #7
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    Default Re: Monument claimants-can you assist please?



    24/10/2002 Late Charges 18.00
    24/12/2002 Late Charges 18.00
    24/01/2003 Late Charges 18.00
    22/09/2003 Late Payment Fee 24.00

    and they were £24.00 until

    20/06/2006 Late Payment Fee 24.00
    22/08/2006 Late Payment Fee 12.00

    Until then

    going N1 next week

    Monument Card 20/09/06 Prelim £1638.74 , Partially Settled £672.00 Refunded 10/10/06

    That is how its gone so far...

    Case Statistics 13 Wins - 0 Losses

    Cases In Progress 2

  8. #8
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    Default Re: Monument claimants-can you assist please?

    Quote Originally Posted by lickthewallfatboy View Post
    My wife has got in her statements from Providian/Monument,and to be honest there aren't too many problems with it.

    However,there are a few occasions when she went overlimit.There is a bit at the bottom of the statement which says-"YOUR ACCOUNT IS OVERLIMIT.TO AVOID FURTHER CHARGES PLEASE DO NOT USE THE CARD UNTIL YOU PAY THE DIFFERENCE BETWEEN LIMIT AND BALANCE

    Fine-however there is no fee itemised anywhere on the statements.They obviously have charged something,otherwise they would not have used the word "further" as regards charges.
    This has happened to me as well, with the legend alluding to charges being made but none added. I take it as a warning, nothing else.

    Mike

    If I've helped tip my scales

    Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007 http://www.consumeractiongroup.co.uk...ver-scott.html

    Monument, didn't sign the agreement

    Lloyds TSB didn't sign the agreement!

    Citicards, didn't sign the agreement

    RBS tut, tut!

    Morgan Stanley, oh dear


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