JD Williams Help

[kibby]

Ive just started the process of claiming back charges from JD Williams for my mum. They sent me all the statements etc that I needed.

 

What prelim letter do I sent them and on what spreadsheet ie credit card or bank charges??

 

Any help much appreciated

[kibby]

Do I use the bank template prelim letter or the credit card one?

 

Please can someone help?!

[harrassed senior]

Hi, just bumping this up for you, as I do not have enough knowledge to answer your query. Someone will be along soon.

[cerberusalert]

Have you read through this thread? http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/104426-dpick-oh-reliable-collections.html

[kibby]

Hi,

 

Yes i read through that one, got confused as it was mostly about CCA's. It doesnt tell me which prelim or LBA letter to use though, whether it be the Bank one of Credit Card

[IdaInFife]

Preliminary Approach For Repayment - Consumer Wiki

 

edit to suit

 

ida x

[kibby]

Sent my prelim letter to JD Williams and just got a reply this morning with the usual rubbish, however they are crediting my account with the enormous amount of £4.50 (think i might get a holiday in spain with this NOT) What do i do now??

 

Are there are templates where I can refuse this £4.50 and also be an LBA as well???

[Nagasis]

Hi kibby, I cant help on the template but was wondering which charges are you claiming back? Are they admin charges?

[kibby]

Charges for late and missed payments

[IdaInFife]

you can use this as a template and edit it to suit

 

Date

 

BANK NAME

Address

Address

Postcode

Re: Account number XXXXXXXX

 

Response to settlement offer.

 

Dear [named sender or Sirs]

 

Thank you for your letter dated xx/xx/xx

 

I respectfully decline your offer of Full and Final settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxx

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary. I also reject the further conditions of acceptance that you have attached to this offer, namely (describe the offensive parts here!)

 

My (Request for Repayment letter) (Letter Before Action) dated xx/xx/xx indicates that you have until xx/xx/xx to respond before I proceed to the next stage of my request (before I commence legal action). My deadline remains the same.

 

If you do not accept my own conditions for acceptance, or you do not respond within 7 days, I shall return the cheque to you. For the avoidance of doubt, I wish to stress that I do not accept your offer under the terms stated in your letter.

 

(If the bank have credited your account, please use this note in place of the above paragraph)

If you do not accept my conditions, or you do not respond within 7 days, I wish to stress that I do not accept your offer as Full and Final settlement and the money transfered to my account should not be viewed as my acceptance. I hereby authorise you to remove this sum accordingly.

 

I trust this clarifies my position.

 

 

Yours faithfully

 

 

[signature]

 

 

[print name]

[kibby]

Thanks for all the help

[kibby]

Got a final offer from JD williams. They are willing to pay off the amount of my outstanding balance and close the account. If I do this im out £130. Do i accept their offer or send them a letter refusing it?

[Nagasis]

Kibby have you checked your credit report to see if they have put something they shouldnt have on it? If they have you might want to include it in any F&F offer.

[kibby]

Its my mums account so I have no idea

[kibby]

Should I just send the refusal letter and also include in it that they remove any defaults in my mum's name??

[vjohn82]

Should I just send the refusal letter and also include in it that they remove any defaults in my mum's name??

 

Hi,

 

Been reading this thread this morning...

 

I claimed the charges back for both me and my wife... here is the thread (only 5/6 posts) which I hope will help you out.

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/192924-vjohn82-fashion-world.html

 

(note Fashion World and JD Williams are the same company)

Edited May 12, 2009 by vjohn82
last note

[IdaInFife]

Hi Kibby,

 

Have you snet them a letter before action yet or was it just an approach for replayment?

 

ida x

[kibby]

I sent them a prelim letter and they offered me £4.50. So i then sent the LBA and they are now offering to close the account and that I owe them nothin which means i would lose out on about £150.

 

Not sure what to do though? Any advice much appreciated

[sea-sidelady]

I have had plenty of dealing with these lot. DON'T give in!!

 

Ok, now you have sent the prelim and the lba letters, with no reasonable response...it's time to file it at court. I will put on the links from my dealings with them, they will try al sorts of tactics, but just keep going..you are in the right here!!

 

Do you know how to go about the court procedure?

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/125617-ssl-robison-way-jd.html

[IdaInFife]

you will have to run with as SS as said

 

ida x

[vjohn82]

Am I missing something here? You don't even need to look at court action!

 

Being patient and concise with JDW will pay off in the end and they will refund all of the charges. It stands to reason doesn't it? They are willing to knock off £4.50 off each £12 admin fee... so that immediately means it shouldn't cost that much to "administer" the account or else why would they reduce it. Furthermore, they have provided no clarification why £7.50 is a justifed figure for intervention on your account. Therefore, do as I did in my thread and use their formal complaint procedures.

[kibby]

I lodged a claim against capital one last year so kinda know how it works. Not sure what particulars of claim to use?? Need help with lodging the claim

 

Should i file the claim online or via post?

[kibby]

Please HELP

 

What should I do?

[vjohn82]

Please HELP

 

What should I do?

 

You still have your account open yes? Soooo... no need to issue a court claim!

[sea-sidelady]

Am I missing something here? You don't even need to look at court action!

 

Being patient and concise with JDW will pay off in the end and they will refund all of the charges. It stands to reason doesn't it?

 

I'm sorry to disagree with you, but I have had several experiences and helped a few people deal with JD. I have never found them to be very reasonable or understanding, and we have always filed at court. It has never got as far as appearing at court, as they pay out before then.

 

This POC that Steven uses is a good one to use, just alter to your needs.

http://www.consumeractiongroup.co.uk/forum/show-post/post-534374.html