Jump to content

Mrgreengenes

Registered Users

Change your profile picture
  • Posts

    252
  • Joined

  • Last visited

Reputation

123 Excellent

Recent Profile Visitors

523 profile views
  1. I bought some coins from Westminster Collections. I agreed to pay £19 per month for 5 months to clear the account. I made some payment but was unable to pay the remainder at the time because I lost my job. I have now cleared the amount owing. They applied an admin fee of £30 before the debt was cleared. The account is now showing an total amount owing of £30 being the admin fee. I have contacted them to say that I refuse to pay the admin fee as I believe it is an illegal amount as they will not be able to justify the cost to them for clearing the breach is £30. It is just a standard fee they charge. They have now passed the debt to C.A.R.S. (Creditlink Account Recovery Solutions). They have sent me a letter stating, "We have been authorised and duly appointed to finalise recovery of the outstanding amount by our above named client." (Westminster Collections) "To avoid any further action being taken against you please settle the account in full within 10 days from the post date." I must add that the amount they have quoted includes an additional amount which I have now paid. My question; is this admin fee legally enforcable? I believe it is not, besides, it would not be financially viable to chase £30 through the courts.
  2. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  5. This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  6. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  7. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  8. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  9. I don't have a contract with them or any formal agreement. I just sent an excel spreadsheet with all my income expenditure on it and my Bank statements. No, I didn't agree to it. No they haven't stated how this charge is appropriated to the work that is needed to complete the tax return. I may write to the boss of the company explaining that the charge is unenforceable. In any case, I doubt very much whether they will take legal action as my last claim cost me £30 to submit. Also, the case will normally be heard in my local area which will mean their solicitor will probably have to travel which will involve a Hotel stay, meals etc. All for £50 I don't think it would be worth it.
  10. I was, until the Tax year ending March 2015, part time self employed. I sent my paperwork to DS£ Accounting Ltd (DS£ Acc) every year so they could compile my Tax Return for me. They did this very well and I was always able to claim a Tax Rebate from HMRC. Every year, many of their customers sent their paperwork in December or January. This made it difficult for DS£ Acc to process these accounts in time for the HMRC deadline of 31st Jan. Therefore, DS£ Acc introduced a surcharge of £50 if the paperwork was not received by them before 31st Oct. This encouraged their customers to submit their paperwork early to avoid the last minute rush. I was charged £50 in Jan 2014 for submitting my paperwork late. I have cleared the fees for their service except for the £50. Now they have asked for the surcharge of £50. I have refused to pay it. Now they have passed the case to P & J Debt Collection Services who have contacted me asking for the money. Can I use the same legal argument that many of us used to reclaim Bank charges? I feel that the sum of £50 is excessive as it would not cost DS£ ACC this amount to process my paperwork late. Any advice including links to the relevant legal clauses which I should use to defend myself should this case go to court as P & J DCS have threatened. As you can see from my footnote I have successfully reclaimed a large amount from Barclays which was settled out of court. I hope that I have used the correct Section for this query if not please advise which Section I should have posted in.
  11. Kensington have now admitted their mistake and are looking to offer some form of compensation. They agree that they should pay at the very least the legal fees incurred in producing the CCJ. But I feel that they should offer more due to the damage done to my son's credit reputation. What would be a reasonable amount? The amount owed is just under £2,000. An ideal amount would be for Kensington to clear the debt completetly and then the CCJ would be set aside. But for their mistake my son would not have a CCJ. Although they could argue that my son should have sorted the matter out before the court date. So that will not happen.
  12. No replies yet. Anyway this additional info should bump this thread back to the top. I have just discovered that the correct Ac No was given to Kensington as the account was transferred from another Debt Management Company. Therefore, Kensington is at fault for sending the money to the wrong company. The last digit of the Ac No was 1 and somehow, Kensington changed it to 0. Once again, I feel that as Kensington have messed up big time, they should offer some kind of compensation for the damage and inconvenience caused by their mistake. As my son uses my address for his correspondence, his CCJ may affect my credit rating as well as his own, as my son may now be connected to me. How would I go about claiming damages from Kensington? Also, can I have the CCJ removed from the Credit Reference Agencies as it was not my son's fault? A reply would be greatly appreciated to this request.
  13. My son got himself into difficulties and set up a Debt Management Plan with Kensington Financial Management Consultants, or so he thought. He lives in another Country from me so I have to send all of his mail to him. He now has a CCJ against him from a Company called Close Bros Military Services. According to them, he has not been paying them any money and they do not have a Debt Management Plan with Kensington. I contacted Kensington as I now have authority to discuss my son's account with them. They informed me that they have been receiving money from my son regularly and have been sending it to Close Premium Finance with a slightly different Ref No. I informed them that this is the wrong Company and a slightly different Ref No. Kensington have said that they would reclaim the money sent to the wrong company and send it to the correct company after setting up a fresh DMP. They have also promised to look into the matter and inform me what went wrong. Now, I feel that if Kensington have messed up big time, they should offer some kind of compensation for the damage and inconvenience caused by their mistake. As my son uses my address for his correspondence, his CCJ may affect my credit rating as well as his own, as my son may now be connected to me. How would I go about claiming damages from Kensington? Also, can I have the CCJ removed from the Credit Reference Agencies as it was not my son's fault?
  14. Thank you for your answer. I will follow your advice and let you know the outcome. I apologise if I sometimes come across as a bit cheeky. You are only trying to help, which is very much appreciated.
  15. I don't know what programme is being blocked. The main point is Barclays are employing a 3rd party to spy on it's customers without their knowledge.
×
×
  • Create New...