I assumed I could claim unfair charges made by catalogues as well as banks. I Got hit for lots of charges from Ace christmas catalogue. Sent them a letter (from the templates on this site) to check the account history. They owed me £175! So I sent a second letter listing the charges (using another letter from this site), and today they refunded me the lot! No hastle at all. Would recommend anyone else with catalogue charges to do the same.

Hi

Wondered what charges you had asked back? I have just got my statements back - I have administration charges and also service charges. Can you help? Also did they send you vouchers or credit your account?

I'm interested to know how they refunded you, I'm sitting here with £205 worth of vouchers that expire end of year, did they give you a cheque?

hi there,

i claimed money back from Studio (the same as Ace), got sent vouchers.Sent the vouchers back by recorded delivery with a letter stating, that my payments have been taken in pound sterling , and so do i expect to have my refund in form of cheque or postal order. The only other thing i mentioned was, that i stated that i don't intend to use the catalogue account no more, and therefore the vouchers are of no use to me.

so, did you get our money,or are you still waiting?

I did get all my money

Pleased to hear that, I'll expect a positive response to my letter then

ace seem pretty good at putting things right,without too much trouble, bless them!! good luck

Glad you got all your money back.

Did you claim for service charges as well as administration charges as I am claiming against Studio

Mine were all admin charges

i treated the service charges like interest and calculated them all with the spreadsheet.

I took the admin charges as being the punitive and unjustified charge that was beyond the actual costs incurred, and therefore illegitimate, but you got it all back, so all power to you

Got a letter today from Mr Rapson agreeing to pay me by cheque...result

Congratulations!!Mr Rapson was the one i dealt with.

I have to admit they are quite good in paying back.

hello

i was just browsing through, and was pleasantly surprised to see a thread relating to studio

so i am gonna send off an SAR to them...

only problem, i do not know where to send it..

any help here would be gratefully received

cheers guys

keep battling

i just used the normal studio adress showing on statements:

Studio Cards & Gifts

Preston

PR0 2BP

make sure you ask for the interest and ensure that your credit record is ammended accordingly, they didnt want to do the credit record bit but with a bit of a shove they obliged and removed all late payment markers due to their unlawful charges.

thanks for your help guys... this site is phenomenal

hello again

was talking to my sister, getting her involved as well. she has a studio account, but has had letters from dca...

i told her to get her statements , and in the mean time, to contact dca and say she is in dispute about account balance and would not pay anything until it was resolved...

was this the best thing to do?

write to the dca and tel them the account is in dispute and to contact studio for confirmation. write to studio and tell them that you disagree with the balance owed due to the application of unlawfull charges and request they send you full statements of account since it was opened. i would presume that they have issued a default notice on your sister as it has gone to a dca so will most likely be registered on her credit file. when you get the statements back work out all charges plus interest charged and inform them you require repayment of that amount plus your default removing and any adverse payment history amending. any probs p.m me and will assist where poss..

007

Hi

I was charged £20 for a late payment and I only owed less than £20! I was not told I was in the red and was not told the implications - the charge was just slapped on.

I told them that yes I was to blame but that the charge was outrageous - they told me it still stood.

So ... I tailored the template letter from this site, regarding unfair bank charges, sent it to them, and they not only refunded the £20 charge to my account but sent me a £20 voucher too. I don't really want to shop with them again, but with Xmas coming up I'll use it on presents.

Thanks to everyone on this site!

Im new to this site and have been stung by ace catalogue for charges, could someone tell me where to get the template letter from? Thankyou

Hi just wondering as my account is not in debt. i pay monthly of £100 per month incuding service and admin charge. Can i still claim against this ? Or do i have to let myself get into debt to i can claim this?

Also what template do i need?