I have an issue with Vodafone, they have sent me a letter saying i owe £401 as my contract was cancelled, the contract was cancelled because they did not set up the direct debit, I have paid them £245.21 since march 14 asked on their "chat" if i could make a plan to repay the rest @£61.83 per mth for 6 months told "phone collections" I do not want to converse with people on the phone and felt harrased by the way the chat rep was refusing to give me any other option of contact, they have threatened me with collectors and a further £100 charges to cover this, why cant a company of their size make a decision to accept or refuse my offer without all this harrasment and stress?

I am hearing radio ads about reclaiming if you are in or have been in a dmp. I wouldn't want to use any reclaiming company. any thoughts on what could be claimed and how to go about it

hi had a Barclays additions account up until recently which I paid off. i want to claim for charges etc on the account, how would I go about doing it? any advice would be great thanks

Hi, I'm a new user so hope I've started this thread in the right place !! I am planning on having an extension built on to my property and the plans have been passed by Stockport council. I emailed the Ground Rent company and informed them of the intention to extend. They replied to my email and asked me to forward copies of the plans which I did. There was no mention of "Admin Fees" in the email. Today I have received a letter from them stating "We wish to confirm that the fee in connection with considering the possibility of granting the consent is £600.00" This will take 10 working days and if I want to expedite sooner then a further £144.00 is required. How can they justify that kind of fee ? Their statement only says this is for "considering the possibility of granting consent" so they could just say No ! Help !! Thanks

Hi how many times can a £235 liability order fee be charged on the same liability order? is it just the once? what additional fees after the LO fee can be charged? i.e. is there a charge for each visit? is there a link anywhere that refers to all charges a LA can make since the recent changes(?) where collection for council tax debt is 'in house' there is a bit of a row in the family about this, we are all a bit ignorant about the facts. Many thanks

Hi just wondered if anyone can help i made a claim for ppi well PBP from a old Monument account, bit strange really just found my old card one day and then found this forum then within a couple of days all this happens i made a call to monument made a claim for pbp they said yeah no probs we will deal with your claim you need to do nothing, and to be honest so far after 3 weeks i have spoke to them only twice then the other day a letter arrived dated 05/08/2014 Final Response Says Dear Mr I write further to your recent correspondence we have reviewed your account and can confirm you subscribed to the payment break plan ("PBP") product Without admission of liability, we are prepared to refund to you these fees plus compound interest (at today,s account interest rate of 28.82%) from the date of the fee, as shown below: Charges £624.54 Account rate interest £417.27 8% statutory compensation £477.46 less income tax at 20% £95.49 Total Refund £1423.78 (charges plus interest) Now i thought great happy days Then i remembered didnt i owe them a couple of hundred pounds so i called them up at customer relations and the lady said a cheque was rasied on the 06/08/2014 for £963.00 (about that) because you owed us money on the account (big jump from £200) which was being chased by a third party company called JCIA now the reason for my long boring post is, is this legal ?? can they take this money without first showing me what i owed them second take money from me to pay a third party company that they sold the debt to ?? i would have thought they should be made to pay me and then i do a deal with JCIA who i do recall sending me a letter once 5 years ago if anyone knows if Monument can do this please let me know Cheers

I have a natwest Credit card that came with my student bank account. I was paying it regularly but then had problems with paying it. I never went over the credit limit and kept the bank aware of everything at every stage. Ive had a look at some old statements and i've received at least 6 late payment fees of £12 but i definitely remember there being more than this. Is there anything I can do about these?

Hi Guys Can I request a company remove an Overlimit Fee of £12 if the account is still running? If so, what do i need to exactly quote them to get them to remove it?

Hi, I am a newbie on here and would like some guidance if possible. This morning I checked my RBS current account balance to notice a charge of £25 for a court order fee. I have absolutely no idea what this is for as I have had no mail relating to this and I am at a loss as to what it is for. The only items I pay from this is mortgage (never missed), Vodafone (never missed) and a monthly magazine subscription (again, never missed. I have never had a loan or any other such arrangement through this account. I do have another bank account I will use in the meantime. Has anyone else had experience of this ?? Any help welcome C

Assuming they can't collect what happens to the Bailiff fees? I'm talking about the new regulations.

Hi all, I hope someone out there can help me as I am very very confused! Briefly, A representation about a PCN was made to Stratford Council on the 23rd of December 2013 and no response was received. I was unaware of the severity of the situation until on the 1st of August 2014 I received correspondence dated 21st of July 2014, from Equita which I subsequently opened regarding the PCN due to Stratford Council, stating that enforcement action would be taken unless the amount of £157 was paid. I immediately telephoned Equita and explained that this correspondence was my first sight of the outstanding PCN from Equita. I notified the gentleman that the vehicle in question is a company vehicle and is currently on a finance agreement and therefore cannot be levied upon and that a representation to Stratford Council had already been made. I then returned home at 3.00pm on Wednesday 6th August 2014 and noticed a white van parked at the rear of the Mews where I live. I parked directly next to the vehicle and noticed a gentleman inside the vehicle. I unloaded the contents of my car, entered the house and approximately 5 minutes later, walked round to the front of the Mews to collect my black bin, noticing the white van was no longer parked in the Mews. I then left my property shortly after this to walk my dog and noticed the white van was now parked at the front of the Mews with the gentleman seated inside. Upon returning to my property some 45 minutes later, I found a handwritten note from Equita with no envelope, had been pushed through the door stating Baliff, Mr S Parker had called to execute a Distress Warrant, giving me 24 hours to contact him to avoid further action. Also pushed through the door was a note stating my vehicle had been clamped because I had not paid the sum of £392. I must stress that at no time have I received a breakdown of the charges due to Equita other than the letter dated 21st of July 2014 received on the 1st of August 2014 with the amount of £157. I then telephoned Equita, having been unable to reach Mr Parker. Equita refused to discuss the matter with me despite the fact that I had stressed the Distress Warrant had been delivered at the same time as the clamping had taken place and no chance to pay the debt or discuss this had been given. I also explained that at no time did Mr Parker attempt to talk to me in person while I was unloading my car and had indeed waited until I had left the vicinity to return and clamp my car. My neighbour witnessed the white van pulling into the back of the Mews after I had left the vicinity and is willing to provide a written witness statement to support this. I also stated that in addition the vehicle has a significantly higher value than the original debt and stressed to Equita that as a single parent living in a rural location, there is no public transport and I needed to collect my daughter from a holiday club. I also explained that the vehicle is absolutely essential for my work since there is no alternative public transport I could use instead and that the car is not owned by me since it is subject to a finance agreement taken out with BMW Finance. Again they refused to discuss the matter or provide me with a breakdown of the charges. Mr Parker them returned to my house and caused considerable embarrassment to me by literally hammering on my front door and shouting through the letterbox. He had also parked his white van directly in front of the entrance to the Mews so my neighbours were unable to enter or exit. I had absolutely no choice other than to pay him the £392 he was demanding (via my debit card to his offices so I had a record of the transaction) and he removed the clamp. I then filed an out of time TE7and TE9 and have just heard back from the TEC that the order for recovery of the unpaid penalty charge has been revoked and the charge certificate has been cancelled. Speaking to the council, they have said I have no rights to ask Equita for a refund of their baliff fees of £310 - is that right? Does a cancellation of the charge and the recovery not also revoke the baliff action and subsequent fees?

Hi, I'd be grateful for any advice you could give me for a problem I'm having with my gym cancellation. I joined Reebok Gym in Mar 2014 on a rolling contract with no minimum period. After 3 months I wished to cancel the contract as I was due to have a foot operation and would be unable to use the Gym. I'd been previously told by the Gym that they only required a weeks notice but when I tried to cancel I was told that I was 4 days too late for that months cancellation and that I would need to pay for another full month's use of the Gym. They said that the weeks notice was for a payment holiday, i.e. not using the gym for a short period, not for cancelling the contract as I wished to do so. I signed the cancellation as they requested and went home and cancelled my direct debit as I felt it unfair that I should have to pay for a full month when they had told me verbally that a week was all that was required. Reebok sent me an email or two saying that they had not received the payment - which I ignored (as I did not use the gym at all ) I didn't hear anything from them for a couple of months and now I'm receiving letters and text messages from ARC insisting that I should pay and my fee has gone from the £146 to £172 and also threatening to take me to court. I object to paying the £146 cancellation fee as I maintain I was told verbally that only a weeks notice was required but accept that the contract states a months notice, if this the correct thing to do I am prepared to do this. However should I also have to pay the fee that ARC have applied? If I do not could it affect my credit rating? Can they take me to court? Any help, much appreciated.

Hi Everyone New as an actual member, but a regular viewer of the forums for advice over the past 6 months with regards to debt. Please can you help with a couple of questions: 1. Is a bailiff company (grrrr Rossendales) allowed to charge enforcement fees at the new rate (£235.00) on a liability order that is pre April 2014? 2. (Liability orders pre April 2014) If a bailiff makes one visit to your house, does not speak to the tenant and then shoves 3 liability orders through the door - Can they charge x3 1st Visit costs? 3. If a bailiff was made aware that the householder was a lone parent and suffering from depression and anxiety and on medication, should the bailiff have informed them that they are a 'vulnerable person' ? 4. How long is a Liability Order valid from the date of issue? 5. If the liability order is in the name of co-habitants - Miss and Mr - and the Mr is now not living in the house (in prison) is the remaining householder responsible for the whole debt of the liability order, even though it is in two names? Sorry for the long list of questions, but just trying to get these points straight in my head - am helping out a relative who is being hounded by these dogs. Any advice would be greatly appreciated. Many thanks.

Hi Wondering can you claim back cash advance fees from Cap1 i'll tell you what i found on my bills lots of little £3 cash advance fees for gala coral i went through a stage when i was playing a lot of online bingo using my cap1 card not knowing that i would be charged for every single time i made a deposit before gala were took over by coral payments on my cap1 card shown up as aquapay and there was no fee at the time coral took over i had a bit of a bingo bug and well cap1 must be thinking happy days because they made about £400 in cash advance fees from me just wondered if anyone knew if i could try to claim them back, surely cap1 should have told me about the charges anyway i honestly thought i was buying online tickets, not going to the cash point any help would be great help Jay

What happens to bailiff fees if the bailiff company fails to collect? There's a £75 charge when passed for enforcement when passed to the bailiffs I thing. There's a larger fee when attending to collect.

My cleaners are a Romanian couple. They asked me to help re late filing penalties they have been charged for their business tax return for the year ended April 13. They use a tax advisor who seems to talk a good game - he is also Romanian and goes on about how he wants to help downtrodden Romanians. But I sense he is not that reliable, as it seems my cleaners have been fobbed off by him when they have queried why they are getting chased for not filing their returns when they paid him to make the filings. When I bugged this advisor about this he did send me a summary sheet showing that the cleaners' personal tax returns for year ended April 13 were filed on time. They pay no tax as the return shows a net income of £5,000 each. But what HMRC are chasing about is the tax return for the Romanian couple's business partnership - this is clear from the letters which have the trading partnership name on them. It seems clear that the partnership tax return was not filed. Not sure how it was missed - clearly the trading results of the partnership were compiled, how else could the personal tax returns have been completed. Anyone any suggestions as to best course of action? What are HMRC likely to do about two £1,200 late fees due by two Romanian cleaners with very low incomes and no assets? Will the write them off, or will they chase them via debt collectors / legal action / bankruptcy proceedings? Can HMRC add these to future tax bills (although in practice I expect this couple and thier partnership will never have any income taxes as they earn so little)? Or can they deduct them from housing benefit or tax credits of the two partners? Will HMRC accept a lower amount in settlement of these fees, eg if they were offered £1,000 total rather than £2,400 do you think they would accept? And if we give HMRC a sob story about how this couple were let down by their tax advisor, that they thought all was fine as they filed their personal tax returns on time, that they dont understand English, that they have no money etc (all of which is true), might HMRC drop the late filing charges entirely? What is the best way to engage with HMRC on this - on the phone? or by letter? or should they find a new tax advisor who can approach HMRC on their behalf to try to sort this out? Any thoughts generally welcome

Hi All I will not bore you all with the details of my case, lets just say that this forum and advice from certain members have been like "Saving Grace" to me and I feel indebted. I have been granted a "Stay of Execution" for a recent enforced writ to the value of £5,119.15. pending court hearing, which I provided an affidavit with my monthly proposal. Firstly, I would like to ask what to expect from this hearing? Secondly, I have listed a breakdown of fees and wondered if the "more experienced" on these matters would kindly advise whether they feel I am being ripped off. The fee's for visiting to post the N55 seizure notice are as follows:- Judgement Debt £3,750. Judgement costs £100 Execution costs £60 [email protected]% £41.35@ £0.84 per day from 25-02-2014 Sheriff fees £973.16 VAT £194.63 TOTAL £5,119.14 doesn't seem right to me Any further advise most appreciated Momummission

Is this the correct forum to ask about reclaiming fees on a pre-packaged bank account? If not, can someone point me in the right direction please? Thx

The cost of renewing or applying for a driving licence is set to fall under proposals announced by the government. Fees would fall by a third for digital applications and 15% for paper. Drivers who apply for their first licence online would see a saving of £16, with the cost dropping from £50 to £34. Drivers who renew their licence after 10 years would benefit from a fee reduction from £20 to £14. And all driver tachograph cards would reduce to £32 from £38. The proposals are part of a public consultation on driver licensing fees - the changes would save drivers nearly £18 million and the industry around £2 million every year. Subject to the consultation and parliamentary process the new fees are planned to come into force by 31 October 2014. https://www.gov.uk/government/news/driving-licence-fees-to-fall

Hi recieved a letter today from redstone saying that due to an administrative error information about my mortgage account was sent to a private indivdual by email on the 3 August. I have had a lot of trouble with restone and recieved no help from these people in hard times , is there anything I can do regarding there error ? many thanks

Hi all. I am in the process of putting together my paperwork to reclaim charges levied to my mortgage account over the last 7yrs. I will be reclaiming admin charges which were levied for missed payments, which is fairly straightforward. I am also going to claim fees for counsellor visits. the lender would send someone from a third party company to the house without making an appointment in the hope we would let him in so he could discuss our finances in detail and of course make an assessment of the property to see what it's worth. Invariably we missed these unsolicited visits, so a letter was posted through the door stating a visit had been made and we had been charged £50 or so for the privilege! There were also claims this company had visited when they hadn't, and no letter was posted through. Either way, even though the mortgage contract t&c's makes provision for such visits, I believe this is an unfair contract term and forces customers to accept these 'counsellor visits' which is unreasonable. It's certainly not reasonable to turn up without an appointment, and state you are charging £50 for posting a letter through a letterbox saying 'Sorry I missed you today'. So, as far as the company and the bank is concerned, they will charge you the fee whether they have provided a 'service' (I use that term loosely!) or not! What a nice little earner! I would be interested in views on reclaiming the counsellor visits. The next fee I plan to reclaim is what my bank calls the 'litigation charge-instruction'. On the face of it, that may seem self-explanatory, but having had a long discussion a while back I discovered when speaking to a very helpful man at the bank that this fee was charged for transferring the a/c from the normal mortgage pmts dept to their collection dept. No Solicitors involved here just the movement of the a/c from one dept to another will incur a £100 fee! I was gobsmacked! So, as far as I'm concerned those fees are unfair for the reason explained but would like views on this. The last issue maybe a bit more complex, and I would like some advice. Back in 2006, we had problems paying the mortgage, and the lender took us to Court. A suspended possession order was granted but we had to pay all the arrears literally a month after the Court hearing, which we did. We were not offered any sort of help by the lender, their solution was 'pay up', that was it. I feel they acted really unfairly towards us, and their lousy treatment of us has been an ongoing feature of the relationship. My question is, would we be able to reclaim the £500 plus fee the bank levied on the mortgage a/c for taking us to Court? And would subsequent legal fees i.e. for solicitor's letters be claimable given the unlawful fees had put us behind with the mortgage? I should add that I am planning to reclaim all the fees plus seek interest in restitution from them, and it is definitely the case that had they not applied all the fees to the mortgage a/c we wouldn't have had such problems. Any thoughts/advice is appreciated. Figgydoody.

Hi all I could really do with some advice! Great site often direct people here but now I need your services! Debt is council tax and here is how it came about: I moved house Nov last year I was slightly behind on payments at the time but not much, I informed them and they stated a new revised bill would be sent out. I received my bill at new address but not until end of Jan, a quick check and all seemed in order payments owed seemed to match up till end of tax year. what actually happened was the bill for my new house was sent to my new house and the bill for outstanding amount owed was sent to my previous address - I must point out they knew I had moved and didn't have two houses! The bill I had seemed right, I trusted them so began making payments - already behind as I owed December and Jan as bill was late probably due to xmas. All my payments were made via auto phone or at the PO no contact with the council. I now know that when I began making payments when the council processed them they were being assigned to the wrong bills. I've just found out that your ref number on the council tax bill is the same for every bill! Depending on who processed my payment some were assigned to the bill at my previous address, some for my new address end of tax year 2014 and eventually some against the new end of tax year 2015 bill for my new address. All following? 3 bills all using the same reference number and payments being randomly assigned between them. I only knew about two bills, new address one and new address this tax year end 2015. Early this year I received a few letters from the council saying I was behind on payments etc and like a fool I just assumed it was a crossover, I was playing catch up on Dec and Jan payments and thought it was just because I was a bit behind. I had the bill in hand I had the payment refs in hand no problem. What happened was a liability order was issued for the bill at my previous address and Jacobs were given my previous address as the contact one, it appears all council letters for this bill were sent here too. Shortly after that I received a notice of impending liability action for my current address and tax bill, I was behind so I quickly brought the payments up to date but not quickly enough to stop the liability order. Now the above paragraph is stuff I've only found out recently, the second liability order was issued 2 days before I made final payment like I fool I simply just kept paying instead of ringing the council. My payments weren't going against the right bill which led to the second liability order, all the paperwork the council sent said pay up or we will proceed with action - to avoid action pay so I did!! Fast forward to beginning of July this year I receive a demand from Jacobs for council tax now at this point as far as I am concerned I'm up to date I'm making payments no problem. I rang them and said I don't understand I've paid this and here is my payment ref numbers, guy says I'll get that checked with the council but there is a second liability order on your account just came in a few days ago a letter is going out to you shortly. I'm very confused at this point and spent a few hours probably going through my paperwork, finding all payment ref's and cross checking with my bank statement. Information in hand I finally rang the council the same day (hindsight is a wonderful thing should have rang them months ago) when I began questioning payments that's when it all came to light that payments had been assigned to the wrong bills, I spent 40 mins on the phone whilst the lady put all the payments in the right places end of conversation turns out I owe £150ish from previous address. I then, after I put the phone down, paid this amount direct to the council via the payment line. Jacobs are after £450ish on first liability and £170ish on the second liability order. I have confirmed with Jacobs and the council that for the first liability order they went to enforcement stage and visted my previous address in June so the charges breakdown like this: first liability £75 handling fee and £235 enforcement fee rest is debt second liability £75 handling fee rest is debt Now I've cleared it with the council and Jacobs and both are aware that all council tax is paid and up to date there is no debt. so Jacobs want £75, £235 and £75. Now a little research has revealed that I could well go down the route of that the council is at fault for issuing a liability order to my previous address and the wrongful allocation of payments led to the second liability order being issued, formal complaint and the whole thing collapses. But that's a very stressful solution and I feel my previous handling of payments getting in on time and the fact I never rang them means I'm responsible too. I've decided to go down the following route: I've sent Jacobs a letter detailing all events and timelines and confirming all that has taken place with the council and themselves since I discovered all this at the beginning of July. I'm disputing the enforcement charge and have stated I am prepared to pay the handling fees but not until this matter is cleared up. I've cited Regulation 6 of the taking control of goods regulations 2013 and Regulation 8 (1) (e) of the taking control of goods regulations 2013 - person must be given in person a notice of enforcement seven days prior to a vist. Evidence being how could I have received such a notice when I didn't live there, proof via a lot of paperwork, previous landlord, councils own records. Also regulations state that such an enforcement charge can only be applied after a levy has been made. "one attendance with a vehicle with "a view to recovering goods after a levy has been made" I've outlined in the letter that first contact with them was at the beginning of July, I've never paid them anything or had any payment arrangement with them. the enforcement charge is effectively fraud as no such work has been carried out as it is a charge for levying distress and/or making a payment arrangement via a walking procession order. None of which has taken place because I didn't live there. I've requested a new demand notice as both my current demand notices include all charges and the debt. I've requested a bill for the two handling fees before I'm prepared to make payment. Now first question am I right?????? I think I am but it would be awful nice to hear from a few people whilst I play the waiting game. Second question, I've done a bit of research and I can't quote it at this stage but I've been led to believe that if the debt is completely cleared on a liability notice except fees then no further charges can be applied? I've been advised they can only charge one enforcement fee and the new rules mean multiple liability orders must be combined when handled to minimise fees so they seem to be in a bit of a paradox if this is true. If they squash the fee they will have to reissue demand notices and I will pay as I won't let it get to enforcement stage but if they don't squash the fee then what happens next? How do they enforce all of this if they can't charge me again? Final question I can't seem to find anywhere anything that advices on my current situation. Everything I've read says a bailiff can do this that in order to collect the creditors debt but nothing when its just bailiff fees. I understand under new rules the handling fee is part of the debt but does the clearing of the council tax limit them in anyway? I'm hoping they will fold but I'm expecting they will ignore my letter and send the demands again hoping I fold. As I said earlier I'm playing the waiting game now, the accounts on hold till Monday due to the fee dispute and my letter went in the post recorded today so demands need to be, I think, reissued after they have considered my letter so I've easy bought myself till the end of next week before it shifts up a gear. so thoughts? advice? anything please I really hate waiting to see if I'm right!!!!!

Hi if I remember from my files I was fined for late self assessment, but called the Inland Revenue, told them I had ceased trading filed the relevant paperwork, posted it to what I thought was the local office, but they had moved. So was fined for late returns for the same year, but two offices got involved hence the double whammy in fees, the call consisted of me stating that due to medical grounds, I was unable to work anymore, they sent a form, I duly filled it in. I was assessed as not needing to pay any tax. due to not earning enough, amount due was 0-00 to them, they said if I filled in the form and returned it they would cancel the late fees, which were 2. A total of £200-00, this was sent back to them at Cardiff. A few weeks later another dropped in from the Leicester office, again I used the same figures and again posted this back to that office. Now my issue is that the first office said the fees would be rescinded and no further amounts would be due. I have this in writing. I forgot this debt, due to memory issues. Now it has been some time since I have heard from the Inland Revenue until now, a debt collector has written to me on several occasions and have not responded. Till now this was due to me putting away my documents in a crazy way and place. I found the letters this week, whilst trying to get my finances sorted once and for all. So I am after advice what to do next, does this get statute barred like civil debts? I am on benefits and obviously have very little money spare for the foreseeable future as my medical injury is lifelong. Thanks MM

Hi everyone, first off thanks for taking the time to read this. I have done some searches on this topic on this forum and other places, but I'm not sure where I stand in regards to the wording on my contract. I'm a LL from London, and getting increasing frustrated with the LA and their renewal fees. Fair enough, I'm a bit silly not have negotiated the contract in the first place, but my tenants are staying on for their third year now, and the renewal fees are nearly £1000, which is ridiculous for the amount of work they are doing (getting a piece of paper signed). So, I'm thinking of letting the contract roll into an STP, I was under the impression that no fees should be charged in this scenario, but in my contract with the LA, the following is worded: "The landlord should be aware that renewal or continuation as a periodic Tenancy is subject to an additional fee plus VAT as shown in Schedule 1 above whether or not we as your Agent negotiate on your behalf. If you prefer to negotiate any renewal personally our fees for the Letting Service will continue to be payable according to Schedule 1 above for the duration of the time the Tenants occupies the premises" Do I have a leg to stand on? Should I seek legal advice? Surely they can't charge me for not actually doing *anything*?!? Once again, thanks for reading this for me, any help is most appreciated.

Hi, I was wondering if anybody knows what the legal amount of admin fees can be taken for a VAT refund - and the law or directive that deals with it? I was recently visiting the UK and shopped in 2 stores. One takes a 5 GBP admin fee, and the other a 40% admin fee (in this case 25.63 GBP). I have previously used other stores and the maximum I have been charged was 10 GBP. I think 40% is a complete rip-off. (Before anybody suggests I don't use this store again, they are one of the only retailers, and the only accessible one near to where I stay with the products I want.) Thanks!