Hi , thanks for your replys , this letter has failure to respond at the top and payment deadline noon, 12th december, should I contact them, it says their have been previous correspondences, I take it this is because they have been sending to wrong address.

thankyou, do you think I have a case here, and also should I send this letter to shop direct or mackenzie hall? Thanks again

Hi, I hope someone can help me with this one. I received a debt letter from Mckenzie Hall so I checked my credit report as I didnt think it would be me. When I checked I saw that I did indeed owe money and had missed 8 payments to shop direct last year. I looked to see who shop direct was and found that they own , additions, very, littlewoods and isme catalogues among others. Then I realised what it was, when I moved house in Sep last year, I rang Very to confirm I had moved address. I distinctly remembering asking the girl was she able to change the Additions account also rather than me ringing back and she said yes she would change both. I thought that was that and completely forgot about this other account. I rang Very up and the person there explained that I had owed £135.00 before my moving date. The debt Mackenzie hall want me to payis £290.00 ( i presume missed payment fees). I have no problem paying the £135.00 that I originally owed but I am very unhappy about the extra charges. I explained to the person at Very that If I was trying not to pay the debt I wouldnt have changed any of the accounts and am cross that they werent able to work out my new address themselves without having an agency have to find me. My accounts should have been cross referenced as I used the same debit cards to pay also. The advisor told me to email head office at shopdirect.com and they would investigate as I also wondered would they have the call recorded. I have not yet contacted Mackenzie Hall at all. What do you recommend I do and do I have a case here. In all of my credit history, I have never defaulted on any payments. Regards Kerry

Hi Paul, I copied and pasted this and amended the red bits to suit my situation. 1. The Claimant has an account 1234567 with the Defendant, opened May 2000 2. Since 01/02/03 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £XXXX; (b) Interest per S.69 County Courts Act 1984 of 8% - £xxx [enter interest total at date of claim] continuing at 8% until judgment or settlement at a daily rate of £0.xx; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

Hi , I also need to amend my claim amount as I have claimed too much. My own fault though. Did you do your claim on line with mcol and if so, do you have any Idea how to make the amendment. Sorry to butt in on your thread

Hi, I have used mcol to make my claim. I have since realised I have claimed the wrong amount and need to amend the amount I am claiming for. Does anyone know how I go about amending this.

and also if I did my original claim on line should i be making amendments on line. I am really confused.

ok, I have filled in the n244 thanks. now I have to do the N1. This is different to the template I originally used as I did my claim online. Does anyone know what I enter in to the 'Brief Details of Claim Section' .

thanks deller1, thats a great help. I didnt know where to start.

thankyou. I have downloaded the form to amend my court claim but it is very confusing. Does anyone know if there is anywhere on this site which explains how I need to fill the form in. I was at the letter before action stage with natwest Credit card and they have sent me a cheque for £145.16 today which is the full amount. So thanks very much to the consumer action group. Will definitely be donating!!

Thankyou Deller1, Shall I also write to natwest to notify them and send an updated schedule of the charges I am claiming or is it not necessary. I have been reading about your own fight with Natwest. Best of luck!!

thanks Natalie, am I right in assuming I should write to Natwest and tell them i realise I have claimed too much, confirm new amounts and attach a new list of charges to them and should I also send them to their solicitors. kerry

Hi, this is the first time i've posted. I have been following the step by step instructions to claim my charges back from NatWest. I am at the court process and I have received a letter back saying Natwest are going to defend. But have just realised that I have claimed for the wrong amount as i have calculated my charges including my advantage gold costs which you can not claim for. Does anyone know if I can change the amount I am claiming for or have I mucked it up because I have stated on letters to bank how much they owed me and sent the list of charges. If I can amend can anyone tell me how to go about it. Any help will be very much appreciated.