Hi

I looking for some help on how to if i can that is to claim back the Overlimit Fees & Late payment fees Monument charged me over the years

Some where £24.00 one day and £24.00 the next day

Then they became £12.00 a day each

I thought i read somewhere that you could claim some of these charges back in some cases

and i you can i'm all up for it cause i counted mine up and the charged me at least £504.00 and thats just what i spotted.

Cheers for any info or help Jay.

If this is a credit card, may I point you to this handy threanaught that shows the process albeit with Barclaycard http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**/page4

Thanks

That's a nice long read, well i decided to send a letter of yesterday to try and claim back the charges plus interest

sent it personally to the customer relations manager at monument so lets see how that goes

nothing to lose in trying, some donations to cag if i win, i have cap1 citi ge money all lined up in the pipe line

Ok just thought i would keep you all to date with what is going on with my case like i said i would,

so here is the latest as dated today 19/09/2014

Just got a letter back from Monument dated 16 Sept 2014 (note 14 days to the day from the date i sent my pre letter)

Saying the following

Dear Mr

I am sorry you have had to contact us about your Monument account. Thank you for taking the time and trouble to do so.

I am looking into your concerns regarding your Default Charges Claim and will let you have

a response or update as quickly as i can but no later than 28 October 2014. This date is set

in accordance with the Financial Conduct Authority handbook. I have enclosed a leaflet

explaining how Monument works to resolve complaints. I hope you find this helpful.

Thank you for bringing this to my attention.

Yours sincerely

Nick Higson

Customer Relations

Now i'm a little stuck as to what to say or do really, on one hand i'm thinking we'll that's not a no

Then the other hand i'm thinking they just dragging it along, i mean 14 days to the dot to reply

i paid them back what i owed them and i still have a default on my credit score, effecting my credit score

and they want me to wait 6 weeks while they take a look

Anyway that's the thread up to date like i said i would to try and help others.

if there is anyone who's knows any little thing about what Monument have said to me, then please enlighten me as to what you think i should do.

Thanks Jay

they have 6 weeks [8 weeks total]

they usually cough too

just remember to include the default removal too.

dx

If you intend to use the small claims route then stick to your timetable

No positive response after 14 days from the tiem they received your letter issue your Letter Before Action.

IF however you wish to use the FOS you will have to wait the 8 weeks but with credit card charges the FOS sides with the bank

So best to let them have their time and sit back and wait you think

I mean i have had a response back after the 14 days after all, i just guess i have to wait a little longer till i can send them the LBA if they respond with the wrong news

the other thing i was asked them was about the default removal i paid the bill at the start of august how long do the need to take to remove it

they are dam quick to put it their in the first place, just not very quick to act to remove it

Update time

Monuments Final Response (please remember i only sent 1st letter didn't even send LBA)

Ok so i claimed from them this: I calculate that you have taken £456.00 in charges and I also claim restitutionary/compound interest of £2,737.12 making a total of £3,193.12

they have now gave me a offer after they told me after two weeks that they will respond after 8 weeks

They have made a complete a full and final offer OF WAIT FOR IT .............. £36.00 plus yes there is a plus £0.83 interest

So i am looking for some help on what to do next, should i now LBA them or go straight for the court route

in the mean time, here is the scan copy of the letter they sent me for you all to read have have a laugh at

haha

Send a letter before action. Final 14 days.

Same letter but add in big bold underline letters Letter Before Action.

now during the next 14 days you want to start prepareing your P.O.C. in case you need to issue your court claim.

side note. Paying a debt does not remove it from your credit history.

Update time

 

Monuments Final Response (please remember i only sent 1st letter didn't even send LBA)

 

Ok so i claimed from them this: I calculate that you have taken £456.00 in charges and I also claim restitutionary/compound interest of £2,737.12 making a total of £3,193.12

 

they have now gave me a offer after they told me after two weeks that they will respond after 8 weeks

 

They have made a complete a full and final offer OF WAIT FOR IT .............. £36.00 plus yes there is a plus £0.83 interest

 

So i am looking for some help on what to do next, should i now LBA them or go straight for the court route

 

in the mean time, here is the scan copy of the letter they sent me for you all to read have have a laugh at

 

haha

Ok where do i start with the P.O.C ?

that is where i need some points, is there a form ?