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Found 24 results

  1. Ace and Studio customers who purchased optional accidental damage and theft insurance are entitled to a refund Through our own review we have identified concerns with this insurance, which was sold through the Ace and Studio brands, and have notified the FCA. We concluded, along with the FCA that the insurance did not provide adequate value to customers. Therefore, together with Assurant General Insurance Limited and ANV (which is now part of AmTrust at Lloyd's) who were at various times the underwriters of the insurance, we wish to put customers back in the position that they would have
  2. Ace and Studio customers who purchased optional accidental damage and theft insurance are entitled to a refund Through our own review we have identified concerns with this insurance, which was sold through the Ace and Studio brands, and have notified the FCA. We concluded, along with the FCA that the insurance did not provide adequate value to customers. Therefore, together with Assurant General Insurance Limited and ANV (which is now part of AmTrust at Lloyd's) who were at various times the underwriters of the insurance, we wish to put customers back in the position that they would have
  3. Hello, I used Resolver to find out if I had any PPI with Studio catalogue, I attach the response and although the sum would be very small if I were successful, I feel that it is a matter of principle as this response is, I think a fob off. Studio response1.pdf
  4. I have had a studio 24 account for some time. I am paying it off and have never missed a payment although there have been some late payments, usually no more than a day or 2. I have had a statement saying £12.00 default sum. I was a day late this month. the last 'default' is on my credit report Can I claim these charges back? I have looked in the library as I thought I could use the bank charges template and adjust accordingly but I am finding it difficult to find
  5. help!! I received a county court claim for northampton county court off lowells on the 18th july for £393 for an alledged old studio debt. I sent lowell a prove it letter asking for the deed of assignment, notice of assignment, default warning letter and the default notice. I received a letter back from them stating the deed of assignment will not be sent as it is a confidential agreement between their client and the original creditor and no other agreement/deed of novation exists between you and our client. I sent a second letter asking for the same details plus the origin
  6. Hi, I would be thankful of some advice please. In 2012 I defaulted on a Studio account and my debt was sent to a debt collection agency/solicitor dept due to low earnings due to illness a £10 a month payment plan was set up, this went without fault for nearly 3 years and I used to make payment by phoning up every month and paying via debit card over the phone. The company name I used to pay the £10 a month to now escapes me however for the final month I phoned up to pay there was an answer phone message stating that the company no longer operated due to being remov
  7. I have received a claim form from Lowells solicitors for a studio catalogue debt. I have responded to the claim form but need to put in a defence but I am unsure what to write. I have sent a cca request to lowells solicitors and they have responded saying the account is on hold until they receive it from studio but I still need do the defence. help please..........
  8. Hi all, I am after some thought and hopefully some pointers on my late payment charges with Studio. After getting myself in a pickle I am on reduced payments for a few things and most have frozen interest and waive any fees. Due to a zero hours contract I often have to pay my priority bills first. My payment to Studio is £5 a month and no interest is being added. As of today the Debt stand at £120. However i have noted that if I am late with a payment I get charged £12 which means that the debt doesn't go down and another 2 months is added to the payment plan. Say for
  9. Hi there, Can anyone help me, I have recently been going through some old paperwork whilst clearing out and have found some statements from credit accounts I had. These were paid off earlier this year after a lengthy repayment period however I do recall questioning the charges once before on the phone. One of these accounts was with Studio/Express Gifts. I have found a thread on here from 2007 but was looking for some up-to date information about reclaiming charges. The Default sum on this account was £20 a time, and I recall that there were many of these placed on my account o
  10. I've read some threads on here regarding claiming PPI, charges etc from studio cards, I have had a account with them since approx 1999, and have bought things on & off since then. I currently owe £80 but about £30 are charges, over the years my balance has been paid off then used again and balance has gone up to £800 at one point. I cancelled PPI on the account last year when I used my account after having a zero balance and realising they were adding PPI. I had letter saying I couldn't reclaim for ppi after I cancelled it. I'm wondering if its wort
  11. Hi, I have been eligible to defer my student loans since forever. I went on maternity leave march 2014 around the same time as Erudio started sending me deferal forms. Due to having a new baby and zero sleep I struggled to understand what was happening but didn't send the forms back. I was also made redundant a few months later. I told them verbally and by email that I had been made redundant. Fast forward to now, I'm a full time mum and my income is zero. I've sent them a letter from my previous employer which confirms redundancy and my final salary which
  12. Hi can anyone advise me I have had to finish work due to illness had an account with studio 24 for a few years my current balance is 650.00 I had no problems paying when in work I phoned and explained my situation and they said as long as I carried on making minimum payments monthly I would be fine I am struggling to pay but have not missed any payments I made a mistake last month and paid twice in march beginning &end of march now they are saying I missed April and have given me a default notice and charged me 17.00 plus I have to pay 73.00 this m
  13. Does anyone know if I can reclaim the service charges that Studio keep applying to my account? I make a payment every month and my account isnt getting paid off because they keep applying service charges!! frustrating is not the word! Thanks
  14. I just got a bill from 'STUDIO' which is a kind of catalogue. It states my balance is £330 odd + 23/01/2014 Default Sum £12 + 23/01/2014 Service charge £16.22 I can only think 'Service charge' is an excuse to add more. Is this legal? What shall I do? £28.22 extra for paying late is a bit much isn't it?
  15. hi I haven't been on the forums for a while just over 18 months ago my dad became ill and I took on the role as his full time carer I carried on using studio in that time as I needed to buy xmas presents etc as I was only on carers allowance a couple of months back my farther passed away and at the time I was paying about £75 a month now since the end of November they have increased the repayments to 10% and my repayment has almost doubled I managed to pay the full £134 last month but as I am now of carers allowance and on job seekers I cant afford to pay the full amount this month which is du
  16. I found a thread on here relating to issues with this company from 2012, however as there is nothing more recent then I thought I would start an additional thread. Unluckily I was also spoofed by these people, and my partner and I ended up paying £450 in total for photographs we didn't want, and are now in dispute. I wondered if anyone else had any more recent dealing with these people. So far our communication with them has gone as follows: After having to pay £450 for photographs, and being informed we would be charged £800 other wise we emailed them to re
  17. Hi, I'm new to this forum, but I've come across a problem with a retail store, and I'm not sure who to turn to. I ordered a very specific part from Studio Spares at the beginning of February this year. It's a metal faceplate, made by a German company called König and Meyer. I was given a delivery date of the 19th of April. When the part didn't arrive, I phoned Studio Spares hoping for an explanation. I was told that they hadn't received it in their last K&M shipment, and they were expecting it in the next one. I was happy to wait, as I need the part to use a keyboard stand (
  18. Hi all I am new here so hope I am doing this correctly. I have had a catalogue with Studio for many years now, always paid on time ( approx £220.00 ) every 28 days, although from that amount I was actually only clearing just over £100.00 from the balance. Late last year my husband was made redundant and has since found another job but significantly lower wage. As soon as I knew I needed help with the Studio payments I contacted them and for several months now I am going round in circles. They refused my offer of payment (£20.00) and refused to stop adding charges
  19. 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 any
  20. I have received quite alot of pages from Studio!!! These include listings of orders, returns, charges, payments, telephone calls - no agreement! The long and the short of it being - I now have to reclaim these charges - do I reclaim using Statutory or Restitution interest! Am I missing anything else that I should be doing? Thanks in advance
  21. My account has been closed for several years now but I recently contacted studio who sent me a list of all past transaction. I have invoices which total approx £1000 but I have paid back approx £2900. The list consists of admin charges , Service charges 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. As for the PPP what is it? There is no mention of it on the agreement but I don't think
  22. Hi, I'm wondering if anyone has been successful in reclaiming Service Charges and Default Charges from Studio Cards? I have today contacted Studio requesting my full trading history by transction, so I can calculate the total goods purchased Vs Service charges, Default charges and PPI. I had an ongoing issue with them for several years in that I was receiving their statements just before and occasionally after the invoice due date - giving me no time to make payment. I am new to re-claiming charges and am uncertain if I am within my right to try and reclaim service and default
  23. Hi Could anyone advise me on my situation with studio. I have started a claim and after being sent pages of transactions most of my default charges are over 6 years old, Studio will only pay back up to 6 years. Is this correct please? Thanks very much.
  24. Hi, following information from this site I have decided to take the advice and reclaim charges that may be owed to me, I am totally new to this,so here goes, my first claim is going to be studio 24, I have statements going back to when I opened the account in 2010 and in total I have £180.00 of default sums at £20 each, I am not sure what a "Service Charge" is, these charges are gradually going up starting at £7.56 to presently £8.49 and are taken each month ,firstly, what do I claim back ? and secondly how do I claim back ? I am sorry for asking these questions and I have trawled through this
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