 LBA for claiming back studelnt loans co Admin Fees
Hiya
over the past few years i have noticed SLC have added various 'admin charges' to my account. i am now in a DMP with CCCS and thought i should try and get them to refund the charges back to me. Does this letter seem ok to everyone? or is there anything else i should add or amend? its basically the LBA for a bank charges claim slightly changed around a bit
15 January 2007
Request for repayment of charges
Dear Sir/Madam,
ACCOUNT NUMBER: 000000000000000000
My request
I am writing to ask you to refund to me the charges which you have levied from my account over recent years.
I now understand that the regime of fees which you have been applying to my account in relation to admin charges are unlawful at Common Law and contrary to consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your charges really do reflect your costs.
Your responsibilities
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 am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise.
I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.
Your concealment of the true nature of your charges has prevented me from asserting my right until now.
What I require
I calculate that you have taken £115 which you have charged me in admin fees.
I enclose a schedule of the charges which I am claiming with this letter.
My targets to resolve this matter
I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.
I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.
If you dispute that I am entitled to a refund of these charges, I request that you forward within the above mentioned time scale, a copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions. These are requested under CPR Pre-Action Protocol 4.6(c), and failure to provide them will be brought to the attention of the court, should it be necessary to commence a county court action.
If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.
After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.
Yours faithfully,
0000000000000000000
Schedule of Charges
01/02/2006 - £20
13/01/2006 -£20
09/01/2006 – £20
30/06/2005 - £ 20
16/06/2005 - £20
28/08/2003 -£15
TOTAL - £115
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