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Manny v Studio ***WON***


manicblonde
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I have been writing to studio cards about the balance on my account that is increasing every month due to interest and admin charges.

 

I have been writing to them since November last year when I paid them what I calulated to be my outstanding balance.

 

I have written requesting a copy of my credit agreement as I dont ever recall signing one.

 

Thye have sent me back a blank agreement! No name, account number or signatures.

 

WHat should I do next?

 

Also, I have been writing to the Co-op on behalf of my parents, neither of them work & they have been paying a credit card off since about 1990!! They are both disabled and the original amoutn was about £2500, Co-op are still requesting over £1000! Is there anything you can suggest that may help them get this amount reduced or written off? They are at their wits end and currently have less income than their outgoings!

 

Please Help if you can!!

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Hiya

 

you need to send a sar requesting your date,enlcosing a £10.00 cheque,once you have

all of your date (statements) you can start the process of reclaiming all of the charges.

 

 

Tilly

 

http://www.consumeractiongroup.c o....s-library/516-

 

If you start a thread in the co - op forum you will get all help and advice in there

 

http://www.consumeractiongroup.c o....perative-bank/

Good luck

 

 

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.please remember that any advice i give is purely my own experience or opinion thankyou

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Hi Manic

 

I wonder if you could possibly help me with my claim, I was going to state a hardship case aswell for my claim agains Halifax credit card, I'm going to do in income and expenditure sheet, but am having a blank about what to say to justify my argument with them as a hardship case, do you have any ideas???

 

Thanks in anticipation

Lush ;)

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Great result Manny - CONGRATULATIONS

 

Is the account now settled and closed?

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Hi Manic

 

I wonder if you could possibly help me with my claim, I was going to state a hardship case aswell for my claim agains Halifax credit card, I'm going to do in income and expenditure sheet, but am having a blank about what to say to justify my argument with them as a hardship case, do you have any ideas???

 

Thanks in anticipation

 

Bit confused - you say a hardship case - do you mean in teh courts?

 

If so, it is only bank account cases which are stayed at the moment, not credit card cases.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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