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Thread: Unfair charges

  1. #1

    Default Unfair charges

    Hi,
    I want to send a letter to the Bank of Scotland and have looked through the libraryicon 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 debiticon 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.

    thanks
    Ratmin

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  2. #2
    Site Team The Consumer Action Group BankFodder's Avatar



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    Interesting that they are charging you VAT on the charge.

    Which bank is it that froze your account in error?

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  3. #3

  4. #4

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    Are they really charging VAT on it?

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  5. #5

    Default

    It doesn't sound right but you would need to see the precise wording of the agreement to see what is actually being paid for.


  6. #6

    Default

    I have it right in front of me and it states 2. Payment 2.1 All remittances made other by direct debiticon will be subject to an administration charge per remittance of 35 plus VAT.


  7. #7

  8. #8

    Default Re: Unfair charges

    Sorry to resurrect an old thread but i will be coming to the end of my 5 year term and would like to know if i have a case.


  9. #9

    Default Re: Unfair charges

    Hi ratmin. I'd suggest that this letter might meet your needs. http://www.consumeractiongroup.co.uk...tml#post650206


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    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.
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  10. #10

    Default Re: Unfair charges

    Thanks for the info caro, much appreciated.


  11. #11

    Default Re: Unfair charges

    Caro, Ive just read my contract again and it says that an adminicon charge of 35 plus Vat will be added to any payments not made by direct debiticon. Wont they argue therefore that they have made an adminicon charge rather than a penalty charge. Thanks


  12. #12

    Default Re: Unfair charges

    Well they could argue it, but it will be for a judge to decide I would say. What costs 35 to administer a card payment, and why add VAT too?

    What sort of loan was it?


    What's Best for You?


    The Consumer Action Group is a free help site.
    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.
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  13. #13

    Default Re: Unfair charges

    Hi Caro,

    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 debiticon 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



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