Hello again Following my last post I sent off the DSAR and my £10 postal order on 24 January. Frustratingly I seem to have lost my PO stub. However I have not yet had any acknowledgement of my request or confirmation if I need to provide proof of identity to them. I plan on chasing it up tomorrow over the phone.

Thank you again. My last post was a bit unclear as I was typing on phone keypad and very tired. I do want to challenge the fees, but not run the risk of me ending up even worse off or owing more, which I understand can happen in a specific situation.! No harm in trying to challenge or hold them to account though. Once this matter is resolved I plan on contacting my MP regarding these sorts of situations.I work full time and receive no benefits, however my mental health has been impacted by this. I did state that I have a long history of mental illness in my previous letter to them in mid-November. The effect of the stress and me having to chase them and the solicitors (Wllmott Clarke) was a contributing factor in my GP signing me off sick for two weeks. I have written and printed off my Subject Access Request letter today and will need to go and get a postal order as I don't have a cheque book so should be away in the post tomorrow morning. Once I hear back from them, I'll update this thread and hope you can give further advice.

Thanks. I will make a SAR as I want evidence it was more the suggestions in other places that I should challenge via court and run risk of further legal cost. If I can put together suitable letters to do it without increasing the debt even further I will. I do want to pay and I was very suspicious of some of the fees anyway. Will draft a letter to them tomorrow requesting breakdown. And I assume they will want £10 for that as well. Thankfully they can't try adding any further fees to this. Oh and if I was to make payment directly to the creditor what would happen then? Can the creditor refuse payment from me? My concern is that HCE may deduct their "fees" from the repayments first or not pass monies onto the creditor and the debt won't be marked as satisfied.

Hello all I've read a lot of conflicting information about HCEO charges, some of it seeming debatable. I had a CCJ for £1228 plus costs (total due £1440.61) for an unpaid electricity bill. This went to the High Court for Enforcement and I was visted by an agent/bailiff from HCE Ltd. I was not in at the time, I live in a third floor flat and I did not sign any form of paperwork. I have not been visited subsequently. I did know about the CCJ and although I returned paperwork to offer payment arrangement, I heard nothing until the warrant from the bailif. After writing to them with an income/expenditure and stating that I was prepared to go through the Court for a stay of execution etc, a payment arrangement has been accepted (without going to Court). I also requested details of their charges as the amount due had risen by over £600 with no breakdown of costs. I have had details of their costs. I don't want to do any long convoluted challenge but is anybody able to help me identify if all of these costs are permissible if there was no access to my home, nothing was removed, no vehicle to levy. HCE Fees £ 49.27 Poundage £ 2.40 Seizure Fee £ 4.80 Enquiry Fee £ 60.00 Mileage £ 92.54 Valuation Fee £ 21.00 Daily possession fee £ 210.00 Administration Fee £ 132.80 Financial Management Fee £ 50.00 Arrangement Fee £ 622..81 Total due to Fees to date of writing (wording and layout taken from their letter to me, including extra decimal point. Maybe they'll charge me for that too). I know at one stage the maximum mileage was £50, is this still true? If they did not have sight of inside of my house never mind removed goods, how have they determined a valuation fee or a seizure fee or a possession fee. I understand that a lot of the fees may seem excessive but I just have to accept it. I don't want to risk Court action which will potentially result in even higher costs to me. I have bad depression and anxiety and the issue of Court just makes me feel super nervous and and would like to (finally) deal with the debt with minimum fuss. I am now paying £250 to clear the debt, but if I can legitimately have some of the costs removed, that would be a help. Can anybody help?