A 220 page introduction to all things consumer related by our own BankFodder.
Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.
Hi,
I want to send a letter to the Bank of Scotland and have looked through the library to find out which letter i should be sending out but im not sure which one is appropriate. I'll try and explain my situation as briefly as possible as it does not involve ovedrafts charges ,direct debits charges etc. Basically i signed a hire agreement which was financed by the Bank of Scotland and after my bank froze my account in error i had to make payments to he Bank of Scotland by credit card. Now in the small print on the back of the hire agreement i signed it states that any payments made by any means other than direct debit is subject to a charge of £35 + Vat which i find hard to believe and excessive. I would therefore like to claim the money back but dont know the letter i should be choosing so can you advise please.
Interesting that they are charging you VAT on the charge.
Which bank is it that froze your account in error?
MAJOR UPGRADE - March - SEE ANNOUNCEMENTS
Have you read our dealing with customer services guide? Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
All attribution rights and moral rights in my copyright work are asserted
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
I have it right in front of me and it states 2. Payment 2.1 All remittances made other by direct debit will be subject to an administration charge per remittance of £35 plus VAT.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Caro, Ive just read my contract again and it says that an admin charge of £35 plus Vat will be added to any payments not made by direct debit. Wont they argue therefore that they have made an admin charge rather than a penalty charge. Thanks
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Sorry for the late reply again but there is so much happening with other things i keep forgetting to check the forums. Anyway Im hiring a coffee machine for my shop and that is 1 of the terms and agreements on the back of the contract. I was paying by direct debit but my account was frozen in error. The full details of what happened was posted by myself back in March 2006. If you scroll down you will find the details. Thank you.ratmin
Unfair charges
to find out which letter i should be sending out but im not sure which one is appropriate. I'll try and explain my situation as briefly as possible as it does not involve ovedrafts charges ,direct debits charges etc. Basically i signed a hire agreement which was financed by the Bank of Scotland and after my bank froze my account in error i had to make payments to he Bank of Scotland by credit card. Now in the small print on the back of the hire agreement i signed it states that any payments made by any means other than direct debit
Reply With Quote
