Thread: CrispDust v Ikano (Ikea)

DPA SAR sent 25th May 2006

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Had the cheque returned from Ikano via my own bank as they had no address or account number (the cheque was stapled to the DPA letter....)
The words for sh*te and brains come to mind!
Well as far as I am concerned, the 40 days are ticking by...

Statement of sorts returned today -deadline for DPA SAR 40 days!
It looks sort of hand typed/spreadsheet:
2 interesting items right at the end, just as the account was defaulted:
Insurance Charge off - £75
Other fee Charge off - £28.68
Both amounts were added to my final settlement figure. I assume these are "unlawful charges" and should be reclaimed in addition to the other £135.00?
Thoughts and comments welcome.

are the charges on an ikea card £15 a time then ?

they were in 2000/01 for an "arrears charge"
Seems like an age ago!

Prelim letter sent requesting refund of £238.00 in unlawful charges.

crispdust, they'll offer 50% straight away almost certainly. I've just started on the other halfs acrd for her for £300 and only asked for SAR but they sent that to us with an offer of 50%. Naturally said no, you'll get somewhere with this !

Hi there

Iam waiting for statements at the moment from ikea. Once letter and spreedsheet is ready to go who do I post it to?

Thanks
:o

IKANO Financial Services Limited
Adam House, Players Court
Player Street
Nottingham NG7 5LN


And still no reply yet! lba gone today (been on hols for 2 weeks)

Well not a dicky bird from Ikano after prelim 7/7/6 and lba 7/8/06, request for refund. If nothing by Mon then its MCOL time. Half of me hopes it does go to court then I get back some interest and it'll cost Ikano more than twice as much as the original unlawful charges. Serve 'em right for all the s%@t I had to endure from them and Wescott DCA!

I have just read the htreads on contractual interest and have applied this on a spread sheet.
My lba claim to IKANO will be reissued from £240 to £1,150.
They should have not ignored me over the past 6 weeks!!

Hi I have just sent away for my satements.. whare is the read about the contractual interest as would love to read and in simple terms what does it exactly mean.

Thanks

check in the General section towards the top, a thread titled "Why is nobody claiming contractual interest..." or similar

Well not a dickie bird from IKANO. So if nothing in the post Monday morning then its MCOL.
Are they callling my bluff or just ignorant?

N1 going into court Tuesday
This could be fun.

Well surprise, surprise after receiving their papars from Leeds county court, Ikano have finally contacted me!
They claim to have "sent a letter dated 19th August", with an offer, which never arrived. Not recorded delivery, of course. And I sent a letter dated 22nd August. Most people would have twigged that the letter had not been received, (if it was ever sent).
Well they are protesting and denying some of the charges are applicable, although they are offering more than the "supposed letter" of 19th Aug. But its still only 10% of the amount claimed.....
I have replied requesting an immediate return of ALL the account information, as requested in the S.A.R - (Subject access request) of 25th May 2006, since their adhoc manual input spreadsheet really isn't acceptable.
Unfortunately, they have a problem. They sold the account in 2002, 8 months AFTER the debt was protected under an IVA from Nov 2001. That will be interesting information for the judge should it get that far!!

Ikano have filed an acknowledgement.
No reply to letter requesting all the correct info on account details, transactions etc.