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    • Thanks for your advice. They didn't really reduce her bill when putting her on the rolling contract. She's emailed BT to complain as well about £800 fee. She will have to check where she stands with her mobile contract given she is still paying each month as she still needs to have a mobile phone for emergencies. A lesson on how careful you have to be when changing providers
    • forget CAB you might as well phone bt back as thats about as useless as they'll be.   you can't have a rolling 24mts contract', bt rolling contracts are month to month only, thats an industrywide accepted definition of what rolling means.   what happened here is she earlier changed her 'package' removing skt to reduce costs. as with all providers that invoked = means she entered into a new 24mts contract.   she latterly phone to cancel that contract, and thus bt charged her the cancellation fee/loss of revenue over the raining months of the contract.   the fact that she owes them 'this money' but didn't pay it, then entitled them sadly to cancel the mobile contract, which sadly again they allowed to do.   rock and a hard place if she wants to keep the same mobile number.   Or as long as her phone is not imie blocked by bt (in otherwords she purchased from BT under the mobile contract) but simply locked to BT (which is easily gotten around for a small fee at many shops/market stalls or if someone is tech savvy follow the guides on youtube to unlock the phone for an even smaller fee. and wack a new sim in it.   as for the £800 bill simply ignore them. they'll sell the debt on  and if anyone like Lowells or anyother powerless DCA debt buyer wants to do court, it's easily defended we've not lost one case like that here.        
    • The 1st 2 calls were the normal scam calls. get a truecall box   the PDC stuff you ignore their letter States our client three whom if you wanted too you deal with directly.   Until/unless whenever it gets sold on too and they eventually send a letter of claim you maintain radio silence    
    • hi all. bit of advice please. I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal. When I ported over, I received a letter from Three thanking me for being a customer blah blah blah.. It also said IF I owed anything a final bill will be sent. No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand. Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right. He said I could log into my account and review my bill as I owed money and then hung up. After the call I thought I'd best log into my account just in case.  Couldnt log in. Account access denied. Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended. Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details. I refused and he said details will be sent out to me to my email on account and my home address as it was important. Once again nothing.. 15th Dec I received an email from PastDue in my name RE Three. Email stated they were contacting me about Three an I should receive a letter soon regards to this matter. Says about visiting their website.  22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this. We will continue to contact you until this matter is resolved. Again asks me to login. 23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services"  Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020 States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill.. Then the normal crap about its important to pay. If I'm experiencing difficulties etc. Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero. (Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov) I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal. Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?  
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Capstone/Preferred/SMPL or whatever they're called now


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Hi

 

I have just had some refunded via a complaint made to the FOS. My complaint was not initially about charges but they did come into it.

 

I have also had another complaint against another company settled today via the FOS but they have only agreed to refund half of the charges but with interest and compo for distress will still be a tidy sum.

 

If you go via the FOS they look at whether you were treated fairly and whether the company could of done more to help rather than just pile on the charges. So if you can show that they were not being fair or they made some sort of admin error (most likely in case of Capstone) you may be able to get somewhere.

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  • 1 year later...

Has anyone successfully claimed back arrears fees/late payment charges etc from these numptys?

 

I reckon they owe me quite a sum in late payment fees as I get paid four weekly rather than monthly and they refuse to alter my mortgage payment date so I get charged £25 late payment every time :-o

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Yep. I am in the process. I have received over £600 back, not as much as I wanted but better than nothing. Used the FOS who have been very helpful. They offered more & paid less so I have gone back to the FOS. Capstone say they made a mistake, but they offered more so I am going to make there life hell they have made mine hell. If I made a mistake it would different.

 

Write to them asking for the charges refunded they won't give you them. Make sure you send recorded delivery as you will need proof you have written to them chances are they will avoid the question. They will fight but stick it out I rejected the 1st offer from Capstone & got a better one.

 

GOOD LUCK

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No, I originally wrote to them asking them to freeze the litigation fees they were apply each month as they were adding more than I was paying in arrears therefore only going backwards. Thay have been frozen for the time being, it's was FOS that claimed back the other charges. If they had done as I asked in the first place it wouldn't cost them as much.

 

I would write to them asking for a change in payment date if you haven't already done so. Make sure you ask for a reply in writing, within a time scale I only gave them 7 days from receipt of the letter. You can check when it was received on the POst Office web site.

 

Once they reply with a refusal either telephone the FOS which is what I did or down load a claim form from the FOS web site.

 

Anyhing else I can help with please ask. I really want to see these people taken to the cleaners, so the more people claim the more chance of seeing it happen.

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  • 2 weeks later...

I'm currently at the litigation stage as I missed the opportunity to escalate to FOS. You should check your contract though as mine states that they will "only charge fees to the extent that has incurred costs". If they change that and say that and say they are part of the remuneration this surely is contract misrepresentation and in any event you signed up to those terms.

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  • 5 weeks later...

Well, i've finally received my details back and i'm now ready to take the next step. Can I use the usual Bank Charges template letter?

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  • 2 weeks later...

Hi

 

I currenty have a mortgage with preffered/capstone and I have been in arrears coming up to 3 years now. I would like to claim th charges back, but wouldnt know where to start, if someone could point me in the right direction in what type of letter and information is required it be much appreciated. It be nice to actually pay off my arrears with the money, and also ho long does it take to process. Cheers

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  • 1 year later...
  • 7 months later...

Hi all

 

I recently wrote to Acenden as they have charged me over 2k in fees/charges etcs, yesterday i finally received a response stating it's basically my own fault for not paying on time, but they are willing to reimburse me £50 compensation!

 

Is this an admission of guilt? Could somebody please advise me on the next step?

 

Thanks in advance.

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Hi all

 

I recently wrote to Acenden as they have charged me over 2k in fees/charges etcs, yesterday i finally received a response stating it's basically my own fault for not paying on time, but they are willing to reimburse me £50 compensation!

 

Is this an admission of guilt? Could somebody please advise me on the next step?

 

Thanks in advance.

 

as where the hell the rest of the PENALTY charges reclaim is!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I am a single person struggling to get by, they were incredibly unhelpful - refusing to change my payment date, sending round field agents that i did not want for 100 quid a pop, charging me buildings insurance cancellation fee every year even though i tell them every year i have my own ....

 

Just sick to the back teeth of them, unsure what to say to them next?

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well reclaim that too!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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If the £50 compensation - without removing any of their ludicrous charges - is their final offer you are now free to take the case to the FSO. The FSO MAY agree that if you are given a late arrears payment because you were late with one payment, then they were wrong to put it on AGAIN the next month if you were on time with the next payment just because you didn't pay off the late arrears charge. You might get back most of your charges. The FSO seem to understand it is is unfair to put charges on failure to pay off charges.

 

Do you have your statements? If so, you need to itemise all charges you think are unfair. Others on this forum may disagree but I don't think its worth saying each charge is too high. They are, of course, but the FSO does not seem capable of saying so. Your best argument is to say this charge should not have been placed on the account.

 

I have been successful in reclaiming £2000 worth of charges, but it has taken a year to do so.

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I recieved a a similar letter from them initially. They were willing to pay £140 as a gesture of goodwill.I simply wrote back one more time and asked them to send a breakdown of their charges and why they had charged so much.I didnt get a reply to that question but I did get an improved offer of just over £1000I regret it now, but I accepted it. I have no more rights to reclaim any more charges from them as this was built into the acceptrance of their offer.The main problem really is knowing what you can and cannot claim for. I played ignorant and tried to claim every 'charge' added to my account (approx 5k in total)I would send one more letter asking them to justify their charges. List each one and see what response you get.

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Thanks guys! I have responded asking them to break down their charges. I am especially fuming about the Insurance charges, why should I be penalised for having my own buildings insurance - which I provide proof of to them every year :-x

 

If I don't get a satisfactory reply this time I shall enter the FSO route. I shall keep you all updated!

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