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Everything posted by huskylady

  1. Hi all, Firstly, may I just say a huge thank you to this site and for the help I received, especially from Jake44 and especially Lookinforinfo. Good news, I received a letter this morning from Studio, basically saying that even though they consider their charges lawful, they would on this occasion as a 'goodwill gesture' overlook all the charges and re-credit my account. I closed the account this afternoon, debt charges free, YIPPEEEEE I can now sleep at night. Once again, many many thanks for all the help received on here. Kindest regards Huskylady
  2. Hi lookinforinfo, Thank you so so much, that letter will be off first thing in the morning, fingers crossed they might listen, but i think i'm in for a fight!! Once again thank you very much Huskylady
  3. Please someone help!!!! i need to know if this letter is ok , i need to get it sent off tomorrow huskylady
  4. Hi All again, Just done a letter to Studio in reply to a letter to me stating that if I were to settle my a/c and pay them £67.00 they would close my account but put my name and details on a credit reference agency list but if I were to pay the full £115.00 this would not happen and no credit agency would be contacted. Basically the payment putstanding is their late payment charges which add up to more than the original opening account. Their letter was dated the 11th June and I found out last night that they had aready sent my details to a credit reference agency!!!!!! Here is the letter I have done to them :- Dear Sir, I am in receipt of your letter dated 11th June with regards to account number:- *********. It is my belief that the outstanding balance is purely late payment charges and I believe these charges to be unlawful. It is also my belief that you have no right to show this balance as outstanding to a Credit Reference Agency as these are your charges. I must also point out that I don't care too much with regard to being blackmailed into paying the final amount or you will refer this account to a Credit Reference Agency. Just to advise you and for your records, you have already referred this to a Credit Referene Agency, this was done 3 days before your letter was typed!!!! Unless this listing is removed from the Credit Reference Agency and my account closed forthwith, I reserve the right to take you to Court to have the offending data removed and I will also make a claim for compensation as a result of unwarranted data. I must also advise you that unless I receive a reply 14 days from the date of this letter, I will have no alternative but to pass your letter onto Trading Standards. ****** any comments regarding this letter that I have done would be greatly apreciated, I have not sent it off yet but just wanted someone with a bit of knowledge on this area to see what they think and if there is anything else I should say. Many thanks Huskylady
  5. Hi All, Just me again, so sorry to bother everyone.....just a quick update, if you look at the letter that I received, i think it is the fourth message down, you will see that Studio have said that if I pay the bill in full £115.00 then they wouldn't go to a credit agency but if I only paid £67 for settlement then they would have to and that I have 21 days to respond to their letter which was dated 11th June................. I have just been on Experian and seem that they have already reported me!!!!!!!!!!!!!!! I really don't know what to do now or how to confront them, the gits, excuse my terms, have basically gone to the credit agency anyway. Any advice would be fantastic as I don't know how or what to write in a letter to them Many many many thanks Huskylady
  6. Many thanks for the advice, can anyone recommend a template letter that involves mentioning a company basically bribing!! if you refer to the above letter that i received you can clearly see that they are threatening to send my name to a credit agency until i pay all their charges. I'm not at all good with words and I want it to sound professional and to the point. So sorry to be a pain but your help is greatly appreciated Kindest regards Huskylady
  7. Good morning, many thanks for the help....lookinforinfo, if i write below exactly what is says on the letter is there any way you could help me devise a letter to send them as I am completely useless and feel very intimidated by this company or shall i phone them? the letter says:- Thank you for your recent communication with the offer of £67.00 in full and final settlement of the above account. We would accept an immediate payment of £67 against this account and then file our papers and not pursue the remaining balance on the account. This balance would still be recorded with a Credit Reference Agency. Alternatively we would accept an immediate payment of £115.54 in Full and Final settlement of the above account. Please confirm your option when you submit the payment. This offer is valid for 21 days from the date of this letter.............. That's exactly what it says on the letter and the date on it was the 11th June so I have til the 2nd July to get a reply sent back. I'm getting so stressed with this company:mad: Many thanks and sorry to be a pain Kindest regards Huskylady
  8. Hello All, I recently wrote to Studio saying that the £155.00 still outstanding on my account was all their late payment charges. My original bill was £180 and I have already paid £245 but because payments were late the charges have added up to £155.00. I told them I would be willing to, if they would consider, letting me clear this account at £70.00 and close the account. I received a letter back from Studio on Friday stating that they would accept the £70.00 final payment but that my name would be put on a credit agency list as a bad debtor but that if I paid £115.00 then they would close the account and no credit company would be contacted. Any advise on what I should do would be a great help, I feel these charges are terrible considering I have paid over the original bill already and can they really bribe people like this? they have given me 20 days to reply. Many thanks in advance Huskylady
  9. Hello, New to this site so please be patient:) Can anyone recommend a company that can reclaim my bank charges for me, I did try once but got so stressed out with the whole process the only point i got to was receiving my statement from Nationwide stating all the charges...I took one look at the court process and freaked so I have decided to see if i can let a company do it for me....many thanks for reading this Huskylady
  10. Good evening, I have never been on this site before so please be patient:) Basically I have a problem, 18 months ago I bought some goods from Studio which came to £180.00....Now over that time I have been paying them and sometimes I have found it hard to pay or basically forgotten or made a late payment....To date I have paid back £245.00 which is £65.00 over what the original bill is and because of late payments etc my account still says I owe them £155.00 which is their charges which is just £25.00 of the original bill even though I have paid £245.00.... I sent them a letter by recorded delivery yesterday to say that I am intending to go into bankruptcy as my business has collapsed, I asked them that if they can accept £65.00 payment to clear this account, as it just consists of their charges, out of good gesture which is all I can afford then the account wouldn't have to go to bankrutptcy, do you think i have done the right thing? I am in such a state over this Many thanks for reading this, greatly appreciated, Kindest regards Husylady
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