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Help reclaiming Shop Direct Empire Stores Service Charges


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First post. I need help to reclaim £60 worth of service charges that Shop Direct trading as Empire Stores have debited to my account since June.

They are for 3 Debt Collection Letters and 2 Insufficient Minimum Payment charges all at £12 each.


My balance (including 2 late payment fees) is now clear, apart from these charges. In June the anti was upped and I was subject to phone harassment (now ceased) This company stop at nothing and are now using unfair methods to continuously generate further charges.


Which template letter do I use to request the refund of these charges? and what do I change as these charges are for direct shopping, not banks. Does anyone have any further suggestions?


Many thanks.

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Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)


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Thank you Hilary. Not heard anything yet. I will probably get a standard reply unsigned letter saying no can do or a run around letter that wont make sense!


Shop Direct "teams" have a poor track record at resolving any matter so I`m not holding my breath, it will be a case of onwards and upwards....


I`ll post the outcome as and when but I know for sure that it wont be positive.


PS. Does anyone have any idea what their various letter reference codes refer to? Some are obvious, others are not. ARR1 = Arrears, INSF = Insufficient, ARRNOT = Arrears Notice, L ? Liability

These are the ones I`m hazarding a guess

DLARF - Default Letter Arrears Repayment Fee?

ACDLD - no idea and

MC - no idea

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