Forgive me if this has already been posted about but A couple of weeks ago Gothia Emailed me regarding my outstanding loan with PayDayuk (£100 loan - I was desperate) but they got the completely wrong details. Wrong name etc..They have since sent a weak apology for this admin error but I see this as a major cock up. I'm wondering how many other people were affected by this and how many of those people are allowing Gothia (BCW) to simply sweep the matter under the carpet as they are trying to do. It's been a while since I was very active on here but my CAG senses still began to twitch when I received the Email with the incorrect details in it. I have sent an Email to them asking what they intend to do about compensation, how they intend to reassure me that my details are safe with them in the future etc etc. This matter will need to be reported to FCA etc, unless they see fit to 'shut me up' by writing off the debt that is

Hi, I'm wondering If anyone els has questioned Santander about there 'admin fee' that they apply to small loans? I had a loan for a car from Santander that finished last year (22nd dec) I was quiet shocked when a letter came stating I needed to pay the final DD and on top of that an 'Admin Fee' of £299. I called them up and there call centre staff said it was on my contract that I signed 5yrs ago. Thats fair enough, so I paid it. I then sent them another letter asking for the full financial breakdown of this charge. I received a letter back from them stating that 'due to company policy we do not provide details that are considered to be sensitive data'. Is this fair? Can they hide behind 'company policies'?.

I am in a mess because of GE Money.I remortgaged with them in 2007 when a broker just cold called,I was self employed had never had a mortgage independently he proceeded to put down estimated figures for my income as I had only recently become self employed & had no books to speak of.He then encouraged me to take some extra finance on top for home improvements etc & advised as I was self employed not to have the Payment protection as it would not cover me & I received a letter confirming it was not in place.Then my business went under & within 12 month I was taken to court for arrears of just under £3000 & given a 48 hour suspended repossession order.There is so much behind all this but I wouldn't have enough pages to cover it all basically They constantly harassed me with phone calls & reduced me to tears all the time,I got where I daren't ring them.It was only when my bank manager looked over my statements a couple of years after court that she noticed PPI was in place & I had been paying it from the beginning so when I confronted GE they said I should have asked if I could claim on the PPI but why would I when I had a letter stating I did not have it.Anyway there is so much more of how they have ruined my life & due to the daily stress I am now registered disabled due to Cauda Equina Syndrome resulting from constant pressure crushing my nerves at the base of the spine.I am struggling to pay my mortgage now because of all the admin fees etc that are added every month,I did claim the PPI for the 12 month but that ended over 7 mth ago although they said I still have to pay the £33 PPI payments every month for the remainder of my mortgage which is 2o years even though it no longer covers me I aren't sure if that is right either.I am close to losing my home & haven't a clue what extra monthly charges,admin fees etc they are allowed to put on & don't know hwich way to turn.Any advice would be appreciated.

Hi I am hoping someone can give me some advice please. I live in a leasehold property and pay ground rent of £10 every 6 months making a total of £20 a year. I received an letter from the Ground Rent agents stating that I was in arrears and despite several emails had not paid the last 2 instalments. I then discovered that they had sent me 2 emails, one for the 1st instalment and 1 for the more recent one. These emails had aoutomatically gone into my junk folder. I hold my hands up though that this is entirely my fault and that it is up to me to make sure bills are paid on time, I have absolutely no arguement with that. What I am querying is that for this I have been stung for £54 in 'admin charges'. I rang the company concerned and told them that I thought the charges were unreasonable and that I would like a breakdown of how the charges were calculated. He told me I would have to put it in writing. I agreed to do so and stated that I wished to pay the outstanding amount of ground rent £20 bring my grouond rent up to date. He refused to take the payment saying that I could pay the whole amount (£74) or nothing at all. I don't know what to do. Half of me wants to just pay it and get rid of the hassle but the other half is saying don't let them get away with it especially as we don't have an extra £54 just lying around as my husband only has his pension and I am currently on sickness benefit, so things are pretty tight. has anyone got any advice for me on what to do about this please? Cheers Molly

I've read the previous entries about Hastings' so-called admin fees with interest. I have motorbike insurance with them and last year after coming off my bike called them to enquire about making a claim. After being told that because of the age of my Yamaha, they would write it off and taking into account the excess, I decided not to proceed. On renewal this year, I am told that because I reported an incident that was 'closed, non fault' I have to pay an admin fee of £35. This charge seems unecessary, as I've only received two emails and spoke to someone for about 3-4 mins on the phone. Anyone have any advice on how to proceed? I took out a renewal with them which was not by any means the cheapest at £140 (I am over 50 and the bike is 15yrs old) so I rather resent their high fee for doing very little.

TalkTalk: Advertising to thwart As a happy talktalk customer (and I mean happy as I have nothing but good service), I noticed that there are a few discrepancies on their pages that are somewhat questionable... Most of them advertising, which in the end I never wound up with. Luckily I'm IT savvy and know better but here are the examples: 1) "TalkTalk Plus TV, broadband and phone only £15.50 a month". Looks good, looks snazzy. In the small print they do mention that you get a YouView box included, but in the MYRIADS of policies they link you to, they offer nothing of the like what they show you. No TV included like the picture, you do get the YouView box at a price, even though you can install it yourself, you HAVE to have an engineer and no phone handset? Image below: Ad link removed 2) Next they don't tell you, that despite being 500 yards from the exchange (As is in my case) you NEED To have fibre as because you are in a town, your ADSL line is busy (it is? with such a low population?). What they forget to mention is how many exchanges are in your town. In the 'old days' they shared 'contention ratio's'. What that is, is how many people you share the line with. i.e. 1:2500 contention is 1 line: 2500 people. That mysteriously vanished in the ADSL maturity days. 3)Next is their actual fibre install, yet another £50. THey send an engineer around to help you install fibre. Despite me being IT savvy, they 'had to' to ensure they have the best technical advice. In light of that, look at the next picture: Ad link removed Nice, I think to myself, they show a Macbook Pro there, solo they must know what they are talking about. They arrive here, they see I have an iMac, Macbook Pro, Apple TV, iPad and iPhone. Not to mention the airplay stereo and bonvoyage printer I have… THey arrive, got the broadband working on the router (Huawei HG533) then move to my iMac to test it.. Quote: 'Um, what do you use to use the internet, I can't find firefox or internet explorer' Reply: *sigh* SAFARI Next I asked that he set the printers up as I couldn't be bothered, so he tried. Once again I had to explain how to set apple printers up. Woah betide me, the HG522 is barely apple compliant! THe printing works, but the scanning is a no-go unless you set it to WiFi Channel 5 on 803.11N mode for the new ones. The iPad and that I set up myself out of pure frustration.. In the end WATCH very carefully what you do here, they misadvertise a lot…… Any feedback?

Hi Folks, I'm hoping some kind soul will point me in the right direction for my next move. I have had an account with JD Williams for at least 7 or 8 years now. Last year, I got fed up with all the 'Admin charges' that were placed on the account, so I wrote asking for a summary of all transactions. Oxendales duly did so and I was shocked to find the charges over the years totalled beyond £700. (I do accept, and do not want to get into the argument that I should have simply not made my payments late. There were extenuating circumstances, including living abroad with the RAF which complicated getting payment on time. I did, at the time, explain this to JD Williams but received no sympathy). Anyhow, I wrote to them, requesting a refund for the charges and received the standard 'get knotted' letter. So I moved on to the next stage, by writing and suggesting that, should they not comply, I would consider taking them to court. I heard nothing for two months, and then, last week, I received a letter from 'Oxendales' 'Without Prejudice' which stated, amongst a lot of waffle about whether the charges constitute penalties, that they are still not willing to refund the charges. Furthermore, they have now removed the credit limit for my account although, naturally, they are quite willing for me to use their company as a cash account. I looked at my account today: The 'available to spend' is now a minus figure The balance is the full amount due The credit limit is £0 So I am now confused. Do I have any more actions I can take? Do I have to go down the Court route? Is this likely to cost me anything excessive if |I do not succeed? And can someone please advise me, preferably with links to any suitable templates? This is for an amount in excess of £700 so I'd rather not let it lie, unless I'm at greater risk of it rebounding on me. Thanks in advance for your advice.

Just looking for some advice on this issue so i know what steps to take to get it removed, I got into trouble when i was a lot younger which resulted in my mum making me take out an administration order from the courts. It was made up from 3 creditors, 1. The benefits place for around £700 2. a catalogue for around £300 3. another catalogue for around £200. I was 18 at the time, still in college and didnt really have any money to pay catalogues back, The benefits thing was that during a period of not working i claimed jsa, but my mum was still claiming child benefit which we both didnt know about each others circumstances. The thing is i paid what i was told till i was around 19 then lost my job so stopped, the courts never bothered writing to me, but the benefit office did and ive been paying back the £700 ever since in silly little amounts. we're talking 12 years on so its hardly been noticable. Today though i just thought id check my credit file for something to do and the admin order has appeared back on there. Does anyone know how long it takes to stay on your account. It came off there around 2005 so im really surprised to see it back on there now, nearly 7 years later???? Obviously upset as well as i thought this was all behind me. The amount i actually paid to the courts would have easily covered the catalogue debts, and the benefits thing is now paid so surely this should all be the end of it?

hi all, new to all this so please forgive my lack of knowledge on this subject as i'm simply a mechanic, the problem is i took out a secured loan with ge money in 2004 for £21,000 and fell behind with payments in 2005 which put me into arrears so from then on i've been paying them an extra £100 per month to try and clear the arrears, its not unil now that i've noticed that my loan and arrears balance is going up not down despite the regular payments, so following some similar posts on here about similar situations i requested an sar which came through last weeks and shows that every month and sometimes inbetween i'm been charged admin costs and late payment fees totaling over £9,000 since 2005, so just wondering what my next step should be in trying to get this money back and the £2,250 ppi they slapped me with at the start of the loan, thanks in advance mark

Hi, my computer won't let me get directly to the web relations team so posting my dilema, I have been paying my wifes contract for 19 months at the agreed £24.99 (now £25.50) only 5 months to go, when I came to pay this months bill it has increased by £3.60 because of administration fees so now over £29, I phoned them asking why and the rep stated that this is what the banks are charging them for taking visa debit payments which has recently started the only way around this is to start direct debit payments I argued to no avail and agreed to start a DD payment to sort, I had my doubts and went to my bank and asked the question and was told this is not true and Vodafone have misled me, I was not happy. Since phoned and told them I was not happy to be misled into starting a DD under false facts and insisted that they wouldn't process the DD. Anyway it appears now that because I have been paying by card for 19 months I should have been paying these admin fees every month and its only been realised this month they have agreed to waiver the admin fees for this month only but I will have to pay the extra for the remaining 5 months which I'm not happy about. We have 3 contract phones with Vodafone this one, mine thats up in March plus another recent one. Feel as though I will see the contracts out and go elsewhere. Cannot believe that Vodafone will be losing 3 contracts over an extra £20 admin fees, I promised the rep that I will be publishing this on this forum so here it is. Hopefully Lee will see this and advise.

hi i have paid my arrears now i need to claim the money back .My interest is 4.34 and i used spreadsheet but something is wrong . my charges om the account is £576.27 can someone please look on the spreadsheet and help me to put the claim through i think maybe i am using wrong spreadsheet or the interest thanks [ATTACH]39983[/ATTACH]

I recently contacted studio who sent me a list of all past transaction from 2000 to 2008. I have invoices which total approx £1000 but I have paid back approx £2900. The list consists of admin charges (£600) , service charges (£750) and PPP. I have put in a claim for the admin charges and studio have agreed to send me a cheque for £400 (£300 plus £100 interest) they will only go back 6 years. I would like to try to claim all these charges back. I don't think the agreement is the original one. Can somebody PLEASE help me as this cheque could turn up anytime now, do I send it back and continue with this claim or bank it?

Hi, I have paid a £410 admin fee over the phone using my credit card on the 2nd of October to a letting agent On the 9th of October I informed them that I could not proceed with the rental due to personal reasons. The agent refused to return any of the monies to me. My Question is; at no time did they say it was non refundable and nothing was signed by myself or any one on my behalf. The house was still being marketed and all they had done was to send me 2 email forms to fill in which I had not got around to doing. Have they the right to keep it all? I would be happy to let them have something for their very small amount of admin. The agent had informed me that there was no rush as I couldn't move into the property until the middle of November. The agent has informed me that my £410 has already been given to the landlord so the agency cannot return it to me as they don't have it anymore. Thanks for any help you can provide.

hi, i gave 190 pound as admin fee and 250 refundable holding depposit to estate agent. Now after All is well. the landroad refused and the agnet will not give me my money back. :-x :-x :-x :-x that is 190 + 250 which he should of given back automatically. thanks please help me get my money back .

Hi, A general question... Is charging someone for not paying DD a form of discrimination? I've searched the Stat Instruments and can't find anything covering 'general discrimination'. All I seem to find is Race, Sex and Disability. If the above isn't the case, when will the zoo start charging fat people more as they take up more room, and thin people get discounted for taking up less? lol

Hi, I have just discovered that wfs made an error. In September 2008 I cancelled my PPI, and they said they would refund the rebate of £388 to my account. A couple of months ago I heard from FSCS who said I had a valid claim for PPI. The refund cleared my remaing balance, but the original refund in 2008 was £110 less than the FSCS quoted on their calculation. Anyway to shorten the story a little, when I checked my 2008 statement, they had added the £388 on to my balance before deducting it off. This meant that I didn't get the rebate. They have just agreed that this was an administration error, and I am owed £388, and as my account is closed would send a cheque for what I am due. Can anyone tell me, would I be entitled to interest on the £388 since 2008, and if so would it be at the same rate listed on my agreement 44.7%, or would it be the basic 8% (I think called contractual interest). Any thoughts ?

I am buying a 6 month old car from a Main Dealer for which I am paying the full amount in cash so not having any finance. Tallking to the salesman today on the phone he mentioned there would be an admin fee to pay of about £140. I didn't get into a debate as I was just going out the door. I last purchased a 6 month old car from another main dealer 10 years ago and all I paid was the price on the screen. My question: Is this normal practice nowadays or is this salesman trying to rip me off and put a few quid in his own pocket? I could understand paying admin fees when finance is involved but for paying cash, surely not?

Good morning, my TA was up for renewal on the 6th June, i had spoken with my LL and we had agreed to renew, last week on the 7th i received a phone call from the new agents countrywide ( who are the parent company of Bairstow eves) my original agents stating that they req £125 admin fee to draw up the TA, i objected stating that i was not willing to pay this, now today i receive a letter from them stating that as we have not reached agreement the tenancy will become a Statutory Periodic Tenancy, what is my position and are these agents allowed to just come up with any figure they dream up for admin fees, previously i had paid around £50

Hi. On behalf of my partner: About 10 years ago I took out a contract with a phone company, I think it was Carphone Warehouse. Along with the monthly policy charge was an extra charge called "Policy Admin Service", which was £7.99 per month. I think it was some sort of insurance policy for the phone. As the years went by, I renewed my policy direct with Vodafone but without understanding or realising what was afoot, Carphone Warehouse just kept deducting £7.99 from my bank account. I recently wised up and stopped the payments - is there anything at all I can do to recover any of this money? I can't recall exactly what I agreed to and don't have the paperwork from so long ago. Any suggestions? Anyone come across this before? There are quite a few people who've been caught out by this, according to Google, so you can imagine how much money has been grabbed by them from the general public! Even if this is legal, is there anything I can do?