Jbdr - Chasing Me For Unpaid Bank Charges

[lucostar28]

OK, here goes. I started a repayment plan to JBDR last month with the original creditor being RBS. Then i discovered this debt was made up of bank charges!!! 380 quids worth!!! And they are just under 6 years old. I contacted rbs direct and they are sending me out statements which could take 4 weeks, when recieve these then i can challenge them, problem is when i told jbdr that my payments would stop until the matter was resolved (either way) they said i would be better off paying because 1) it could take years to get my charges written off and 2) if i stop making payments then they will start more proceedings against me.

 

Dont know what to do for the best, dont mind paying off debts but i refuse to pay bank charges!!!!!!!

[PGH7447]

if this is purely bank charges I would in my opinion stop paying these people

[lucostar28]

yes, all charges are for unpaid direct debits!!! Have stopped payments so will have to wait and see what jbdr do next. The guy that i spoke to wasnt very nice, you would think i owed him the money personally!!!!

[PGH7447]

dont phone ever unless you can record the calls, get everything in writing from now on

[IdaInFife]

ACCOUNT IN DISPUTE

 

Dear Sir/Madam,

 

Your ref:

 

Thank you for your letter of **DATE**, the contents of which are noted.

 

As holders of a Consumer Credit Licence you are obliged to comply with the Office of Fair Trading Guidelines on Debt Collection. I would therefore be obliged if you would provide me with an explanation as to why you are attempting to collect on an alleged debt which is being disputed with **BANK ** and has yet to be resolved.

As per OFT guidelines Section 2.8k "not ceasing collection activity whilst investigating a reasonably queried or disputed debt."

 

Since this is considered an unfair practice and contrary to the OFT guidelines, you should consider this letter as a formal complaint, and provide me with a copy of your complaint resolution procedure.

I also require you to confirm that you will now comply with the OFT guidelines, and will not attempt any further collection activity whilst the dispute is unresolved.

 

After taking advice, I am of the opinion that your continued pursuit is in violation of the CPUTR 2008, Protection from harassment Act 1997 section 3 as well as breaching a number of the OFT Collection Guidelines.

 

Should you fail to provide me with the required undertaking within 7 days, I shall report your breach of the OFT guidelines to Trading Standards and the Financial Ombudsman Service.

 

Take notice that I will not discuss this matter on the telephone, and all further communication must be in writing. Any further telephone calls will be perceived as harassment, and dealt with accordingly.

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

 

edit to suit

Ida x

[lucostar28]

Thanks pgh7447 for the tip about not telephoning them! Also thanks Idainfife, the template says it all, will get it off in the post asap, watch this space

 

Lx