Lisa Vs Studio

[Sundance Kid]

Hi All,

 

Finally registered after browsing the site for a while as a guest.

 

Some fantastic information on here , wow:shock:!!

 

I am going to try reclaiming charges from several Credit Cards / Store Cards etc. Starting small with Studio cards .I already have a full list of transactions dating back to 30/12/03 , but interestingly enough the list starts of with:-

 

01/01/92 OPENING BALANCE 0.00

30/12/03 CREDIT CARD PAYMENT 54.70

 

Now the first time I used Studio was around December 03 so I am assumig this means they keep records of transactions all the way back to 01/01/92

Hoping this information might be of some use to someone claiming from them further back in time than me.

 

The charges I am looking at claiming are listed in the form of

ADMINISTRATION CHARGE 20.00 (8 OF THESE IN TOTAL)

SERVICE CHARGE(VARIED AMOUNTS)

PAYMENT PROTECTION ( WHICH I HAVE REPEATEDLY ASKED TO BE REMOVED BUT DEPENDING ON WHO I SPEAK TO EITHER SAY " YES I WILL TAKE THAT OFF " OR "I CAN`T TAKE THAT OFF IT IS COMPULSARY")

 

Any help would be appreciated.

 

Lisa:p

[mrsfoot]

HI Lisa and welcome as an official member!

 

Use this analagy for claiming charges...if it was applied to your account as a slap on the wrist for doing something wrong then it can usualyy be claimed back.

With the PPI i would suggest you have a lok a tthis thread

http://www.consumeractiongroup.co.uk/forum/ppi/

 

Here you will find great advice and can read others who have successfully claimed their PPI back. You will find template letters, contacts and read what others have done to do this. Studio cards are mentioned quite a few times on the site so why not search using the search http://www.consumeractiongroup.co.uk/forum/search.php to see what others have gone through.

Here is the link for the pre lim letter, just adjust to your own needs http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

Hope this helps and good luck

[mistie]

hello lisa,

 

i have just got my statments back from studio, what a mess if yours are the same you really need to check them.

 

they do pay up very easy i believe, so good luck.

 

mistie:p

[chezt]

Hi Lisa - In response to your PM here is a copy of my prelim I used for studio ..

 

Studio Cards & Gifts

Customer Services Department

Preston

PR20 2BP

16th October 2006

Request for repayment of charges

Dear Sir/Madam

ACCOUNT NUMBER: xxxxxxxx

My request

I am writing to ask you to refund to me the charges which you have levied from my account over the period 29.01.04 to 06.03.06.

I now understand that the regime of fees which you have been applying to my account in relation to Administration Charges are unlawful at Common Law, Statute and recent 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 penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary. This report was NOT limited to banking and credit card institutions.

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 as my fiduciary.

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 £xx.xx. 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 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

 

chezt

 

 

I did revise it a week or so later & add contractual interest as they didn't respond to my initial prelim (I will post that if you want it too) - When they paid out they paid the charges + the interest I'd paid on them + 8% stat interest - I decided not to persue the rest of the contractual interest as I felt it was not wise to do so & I was more than happy with my refund

 

Hope this helps?

[chezt]

Forgot to add - I didn't have PPI on my account at all - Sherlock did tho - here's his thread ..

 

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/56752-sherlock-studio-08-01-a.html

 

There are a few others who fought PPI with Studio too - if you need more threads I'll have a scoot n see if I can find them for you but hopefully you will have enough to go on for now

[chezt]

Here is another link to a thread claiming PPI from studio too

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/58922-harrythehawk-studio-cards.html