kath30 v Sainsburys
Hi took a loan out with Sainburys in 2003 and am sure i have had enormous charges since then. Wtoe my DPA letter 17th March it was signed on 20th March by HBOSbut have since then had no reply so was going to write this letter would appreciate any comments advise anyone has and if anyone is having problems with them?
''I am disappointed to note that you have ignored my request for a complete list of transactions and charges relating to my bank loan account since July 2003. Alternatively a complete set of statements for that period will be acceptable. I now require a response within 7 days or I will have no option but to submit a complaint to the OFT.
As already stated, I now understand that the regime of 'fees' which you have been applying to my account, in relation to over-limit, and late payment charges, is unlawful at Common Law, Statute and recent Consumer regulations. I would again draw your attention to the terms of the contract, which you agreed to at the time that we opened our account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner, which complies with UK law.
Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department."
Yours etc
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Re: kath30 v Sainsburys
Originally Posted by kath30
