Ace Cards and Gifts Mail Order Co.

[xoxnitaxox]

It's the 4 admin charges, plus interest charged on them (i can work that out for you if you like.

 

You shouldn't get charged a service charge if your account is 0.00 as the service charge is their interest on purchases etc. If you owe them nothing, they shouldn't be charging you interest.

 

And yes, even though it's (as you say) £70 - it's still worth it. It's £70 you could have spent elsewhere.

[xoxnitaxox]

Yes, you print it off :-S It's a list of the charges + interest you are claiming. If you don't send this in, they'll wonder what the heck your wanting back.

 

You need to create the illusion you know what you're doing or they'll walk all over you.

 

Send me the four charges and the dates they were charged. I'll send you the spreadsheet.

[Laura Cooke]

Well sent sars off to Studio Cards then the claim in for repayment of charges which were £60.85 and 8% on top which came to £109.56 they sent me £45 vouchers today and said that because I recently placed an order and had a balance of £27.31 they have deducted this with 8% interest added!!! I have no desire to deal with them after all this so do not want the £45 vouchers and they have short changed me ? from the amount I was expecting

[demon_x_slash]

Not acceptable, IMHO; if they took cash from you, you would demand for it to be returned in same...

[jellybabe]

Hi, i had the same problem and sent them the following letter:

( i dealt with Mr D Rapson)

[

Dear Mr D Rapson,

Thank you for your recent letter regarding my repayment of unlawful Charges you have applied to my account.

I noted that you have enclosed part payment in form of Vouchers. This is not acceptable to me, as i won't be using this account no more in the future.

I made my payments by pounds sterling and expect the refund to be in the form of either a cheque or a postal order.

Also, would you please note, that my claim was for £xxxxxx in total.

You have credited my account with the amount of £xxxx already, and i thank you for that. However, that still leaves a balance of £xxxxx for you to repay me.

If you do not comply within 7 days i will be taking further action and will not cease until a refund of unlawful charges is made in accordance with my requests.

Yours sincerely,

/QUOTE]

I've had my full refund in form of a cheque shortly after.Of course, you have to amend the letter to your needs.

I also noted that you included the 8% already??As far as i know you are not supposed to do that until you file your claim at court.Only then you can add it.

[jellybabe]

be persistent and don't give up until you have ALL your money.They will pay!

[xoxnitaxox]

jellybabe - I wrote the letter for Mrs Cooke on behalf of Mr Cooke - we didn't ask for 8% - we claimed the full 39.8% that they had been charging him. Studio/Ace came up with that 8% from nowhere. It's typical of them to do such a thing, they just did exactly the same with my mum. I know you don't claim the 8% until it goes to court, I went through this already for myself, and won

[xoxnitaxox]

demon X slash - I completely agree with you.

 

My claim didn't even cover my account balance with them *(slaps own wrists)* so they just paid it off my account which was fine. But had they owed me anything I'd have requested it in £ sterling.

[jellybabe]

Sorry xoxnitaxox,i know you'd won before, i think i was a bit confused. I thought Laura Cooke done it and requested the 8% straight away.

 

I bow to you and ask for forgiveness,lol:D

[Laura Cooke]

Cheers Jellybabe but don`t know if this letter is what I need to send scale of charges claimed from them was drafted up by help off here interest was added and calculated at 2.6p a day so the administration charges came to £60.85 with the interest added £48.71 that came to £109.56

I recently made an order with them which I pay cash for the order hasn`t even come yet but they have taken the £27.31 for this order off the above balance and stated

DearXXX

Thank you for your letter which as been forwarded for my attention statements are issued every 28 days advising you of the minimum payment and the payment due date. Should your payment reach us after the due date, your account will fall into arrears and incur an administration charge.

In light of the recent OFT investigation we are currently reviewing our administration charges. However, until this review is complete our normal trading terms apply.

However, not withstanding this, as a gesture of goodwill and without prejudice, I have removed the administration charges from your account. Our records reflect that administration charges have been added to your account to the value of £60.85 and that your balance is £27.31 plus interest added at a rate of 8% which we would consider to be reasonable. Therefore, your balance has been cleared and vouchers for £45 have been enclosed for the difference between the two amounts, which can be used against a future order.

In order to avoid future administration charges please ensure that the minimum payment is made by the due date. If for reason you are unable to do this I would suggest you contact us, so that we can attempt to make arrangements to accomodate this and avoid the need to apply an administration charge to your account.

Please be advised that on our next update to our Credit Reference Agencies your details will be amended and I can confirm that no adverse payment details will be held as a result of this matter

 

So what do I do now? if I reject it as I am unsure of my position as I expected £109.56 refund but have received £45 in vouchers and £27.31 deducted off what they owe me for an order I have not even had come through yet which I find offensive, surely you don`t pay for goods till you have had them?

[jellybabe]

the letter i received was similar to that. No difference apart from that they added the 8% (well, they said they did in your case), and that you have an order you are still waiting on.I personally, would send the vouchers back by special delivery (that's what i've done), and ask for the remaining balance which you think they still owe you (minus the money they paid to your account already), in form of cheque or postal order.

But that is only my opinion, and what i did in my case. I'm sure if i'm wrong or forgot anything, someone helpful will come along very soon.

You got a decent helper there with xoxnitaxox, if i may say that.

[jellybabe]

i've got a query of my own aswell, and maybe someone here can help me. Did ask trhis on another thread already, but no reply yet.

I have problems with studio amending my credit file to it's true state.

With me being German, i am sometimes lost for the right words when writing a letter.I did prepare a little letter asking them to amend my details, and any comments are greatly appreciated.

Dear Mr D Rapson,

May i thank you again for settling my claim for repayment of charges out of Court.

However, i have noticed that my Credit record has not been updated yet to it's truthful state. You are obliged by Law to show the true conduct of account on those credit files.I therefore demand immediate amendment of my credit file.Late payment markers and adverse information needs to be removed immediately.

I require you to do this within the next 21 days.

Can i send it like that??

[Laura Cooke]

Jellybabe very grateful for your reply will send something to them but i`m hoping some more come forward to add their advice on what I should do, yes so true Xoxnitaxox as been a brilliant help to me I`m grateful to all but lack confidence to do much on my own thank heavens for great folk on here good luck with your own fight with Studio

[jellybabe]

Laura, that's fine.always good to get as much advice as you can. Good Luck with your claim, i had mine settled a while ago.

[xoxnitaxox]

you two been busy - lol

 

cant reply properly tonight - too tired but quickly - jellybabe i asnt having a go was pointing out i knew you were right about the 8% thing.

 

Laura - have emailed you - earlier i think. if u need a draft letter ill sort it out for you as soon as u let me know.

[jellybabe]

i know i know,LOL!

And sorry for hijacking your thread a little bit:p

[Laura Cooke]

Yes Pleaseeeeeeee draft me a letter for Studio Xoxnitaxox so grateful to you must say though Studio are quick to respond if only it was in the right way LoL:)

[xoxnitaxox]

will email it to you - be sometime tomorrow tho - had a busy day/night - so need some kip.

 

How's the hubby?

[Laura Cooke]

Hubbie well thanks back at hospital 19th more medication and blood tests but things are positive, will keep eye out for your email thanks for the help much appreciated

[Laura Cooke]

Xoxnitaxox you haven`t emailed me have you? as I have not received anything if not will wait till you have some time to help thanks once again enjoy your weekend, I`m off to daughters she jets off to Dubai/Australia Friday saying cheerio to her and her hubbie then son off following Tuesday to Thailand what a quiet New Christmas and New Year for us

[Laura Cooke]

Studio sent me £45 in vouchers sent them back my claim stands at £111 with interest just received a brief note yesterday "As requested money for refund" and a cheque for £54 rang them and they said they would get someone to ring me to explain this no one did, first the vouchers and now a cheque so what do i do now?

[Laura Cooke]

Shall I return cheque and yet again (3rd Time) demand £111? I got vouchers previously and sent them back now a cheque, they are doing anything but send the amount they owe me

[jellybabe]

sorry Laura, not sure what to advise here.i would probably try one more letter to them, asking to explain how they come to the amount they think they only owe you. but only give them about 7 days to reply. If no reply by then i would proceed with Court action if not done so already.

But then, i don't know exactly about all the details about your claim and all the letters you sent them already.

Might be worth to try and contact nita via PM, as she helped you already and might know better.

Sorry, if that is not much help.

Good Luck!

[Laura Cooke]

Thanks for reply very much appreciated, Nita as a lot of my paper work which is a bit of a stumbling block I cannot bother her at present she has serious health problems with family member and she is not around will drop them a line and do what you suggest thanks

[Laura Cooke]

Any help would be much appreciated don`t know which way to turn Nita on here did me a claim to Studio all the case is on here with details

 

She made the claim with 39.8% interest (The interest Studio charged me)

 

My charges are £60.85 and up to 15th November 2006 interest calculated at 2.6p was £50.23 making total £111.08 Studio have deducted an order I had come which was for £27.31. so £111.08 isn`t correct but I have no idea how much I should expect off Studio?

 

First they sent me £45 in vouchers which I returned now this week a cheque for £54

 

Studio have rung several times this week between 10am-4pm my hubbie requested they rang to explain the amount they have sent, a week later they have been ringing but I told them he would not be in between these hours their reply is "We are only allowed to ring between 10am and 4pm" like I said to them who do they expect to catch at home between those hours

 

I just want someone to advise if this £54 cheque should be cashed or if it isn`t enough bearing in mind the £111 requested needs £27.31 coming off it for an order