Ridiculous RFS Charges

LordPringle · 17th April 2007, 16:45

I am considering reclaiming charges RFS have charged me in the past for late payments, admin fee's etc. But I don't know if it is possible to reclaim these charges. Does anyone know? If so, where do I get the templates and is the process any different than the bank process? Do you still send the £10 & Data Protection Act letter?

Thanks

Rob S · 18th April 2007, 11:43

Yes, send them a subject access request along with a payment of £10 to get details of your account. if they have been charging you penalty charges for late payments etc then the principle is exactly the same as with the banks and building societies doing the same thing.

digger80 · 25th April 2007, 21:14

can you claim if account is still active?

Rob S · 25th April 2007, 21:34

Digger, you can indeed make a claim if the account is still open.

digger80 · 25th April 2007, 21:37

will they close it down or anything as we have only had it since sept and still have over 4 yrs left?

Rob S · 26th April 2007, 11:48

Is it a loan that you have with them?

sitcom123 · 27th April 2007, 22:35

Hi Lord my daughter has an RFS loan which has had £600 charges on it for late payments. please let me know how you go on as i will start a claim for her. If anyone knows where i should write to to ask for account details would be grateful.
thanks

digger80 · 28th April 2007, 13:15

its finance on a car.

digger80 · 28th April 2007, 13:17

Quote:

Originally Posted by sitcom123

Hi Lord my daughter has an RFS loan which has had £600 charges on it for late payments. please let me know how you go on as i will start a claim for her. If anyone knows where i should write to to ask for account details would be grateful.
thanks

the address they gave me the on the phone was

Capital bank
3rd floor
charterhall house
chaterhall drive
chester
ch88 3an

they said address to collections dept but im not so sure that is right?
anyone know?

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