huge charge from JD Williams catalogue

[Battleaxe]

Hi Cherry11,

JD Williams is next on my hit list. Will be starting on them in the New Year.

I would send off the SAR request and enclose the £10.00, this way you'll get your statements and of course you will find those administrations charges, you know the ones, when they tell you have been naughty and your payment never made it on time.

Complete a spread sheet with all the charges including the arrangement fee,of course make sure you used contractual interest, this will boost the amount they owe you, senf off the prelim letter and sit back. Of course keep paying your £5.00 to them, to show you kee[ong your end of the bargain.
if you meed help just yell, there are enough of us around and most probably someone who has already had dealings with J D Williams might be able to assist you, but first off, the SAR.

I hope this helps.


Oh the other thing send off for a copy of your credit agreement £1.00 post order to included in that letter.

Read up on the threads of non existent credit agreements. This might help you feel less pressure regarding the catalogue companies.

Onwards and upwards

[Battleaxe]

Cherry11,

I see Carolbl has answered your question. I would advise that you continue to pay the £5.00 you have agreed with them, but claim back all the charges (admin letters those £12.50 and £17.50 costs, and the arrangement fee in your case). This way they will see you are being proactive and trying to meet you committment at the same time. I know others have had their debt written off because a credit agreement cannot be produced, but I think there is a moral obligation; after all you have recieved the goods. This is my opinion only. Perhaps when you have tallied the charges and added the interest to the claim this could reduce the amount owed considerably.

This site is not for dodging your responsiblities, just getting back what is rightfully yours and getting the financial institutions to play the game fairly.

Onwards and upwards