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    • Thank you for the reply - I'm half expecting them to either drop the whole thing or to spring the "We had to tell the court that you don't want to pay so we're going to restart proceedings" idea given the language in the consent order that I signed with them. Going to read up and prepare to defend in case they fancy playing that game. It'd be nice if they would actually play by the rules for once...
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    • Hi everyone,    They started sending threats:   Wednesday:    We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings.    Thursday :    It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group.    Friday 8:23am :   The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim.    Friday 6:28pm:   We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group.        
    • Hi Guys, I would appreciate any advice you can give.   In mid September this year we went to a Caravan company to look at potential caravan purchases, we found one caravan that we liked it was a 2018 model,   however when talking to the salesman we expressed concern that the settee and the bed mattress seemed to be of very poor quality and lacked any real support. The settee and mattress also seemed older than the year of manufacture would suggest. The salesman assured us that the fittings were manufacture fitted and that was, 'Just how they are'. He agreed to look into the matter for us.   As a result we paid a £1,000 deposit on our debit card, the salesman asked us to sign a contract for sale regarding the caravan informing us it was 'a receipt for the money we paid'.   We were due to collect the caravan this week, however, during the period from signing the contract we felt that we were being mislead about the furnishings previously mentioned so we carried out some research.   I sent the photographs to the manufacturer and asked them if they were the original fittings supplied by them, they responded that the settee and mattresses shown in the photographs (Taken from the online sales pictures from the sellers website) were never fitted to that caravan and had never been supplied by the manufacturer. I also downloaded the brochure from the manufacturer that showed the settee and bed mattresses that were fitted to the year and model of the caravan we had paid a deposit on, were nothing like the ones currently fitted.   somebody has taken out the superior Settee and bed mattresses and replaced them with cheaper inferior quality ones which seriously devalued the caravan, notwithstanding reducing the comfort and quality of the caravan. He insisted that the photographs (taken from their website) were the correct fittings for that caravan.   On Sunday 20th October, I sent the caravan sales company a letter stating that we were rejecting the caravan and that we had been mislead as to the quality and provenance of the fittings, that we no longer had any trust in the sales company and under the Consumer Rights Act requesting the return of our deposit.   We received a response the next day that stated, they accept the cancelling of the contract however, they are retaining our deposit against the purchase of another caravan from them.   I think it is a given, that we would never darken their doorstep again let alone purchase anything from them. I would add that all our concerns and the company's responses have been via email, so we have an audit trail of what has gone on.   I have considered chargeback, as we paid on a Visa debit card (I know should have used a credit card) and I am aware that we have 120 days to try and implement this.   I'm looking for advice as to what to write to the company to start with, i.e. Letter of complaint (They have no complaints policy or procedure in their T&C, they are also not signed up to the Dispute Resolution Ombudsman Scheme) or a, Letter before Claim, or do I involve Trading Standards.   Any advice from the wise members of this group would be greatly appreciated.   
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Flegimoo Vs Style Financial...unjustified default?

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Greetings all...


Firstly can I thank anyone that takes the time to read and reply to this thread, any help is extremely appreciated as this story is complicated and lengthy...please try not to get bored...


I recently checked out my credit file as I was about to start looking at buying a house. On there I noticed a Default Notice (Settled) from Style Financial Services (Store Card) in July 2005. Odd I thought.


So in a nut shell the story is...


The original deliquent amount was £89.


This rose to £107 inc Fee's and interest at 29th May


I paid £138 to Style on 29th May to clear recredited to me on 9th June without noticing. Proof sent.


Statements followed to home address whilst at University (no reason to doubt as I thought it was paid)


Default applied in July 2005 for £125.


Charges/Late fee's not reclaimed....yet, will this help??


Copy of Original default cannot be provided....does this help??


According to Stlye, this store card is apparently not bound by CCA...how??


Read on for the detailed version...


I contacted them requesting further information advising them that according to my bank statement this was paid in June 2005. I requested an original copy of the default as I had no recollection of ever receiving anything regarding this.


They eventually got back to me advising that they had nothing showing any payment toward the account and that it had been paid 9 months later via their DCA, Allied International. They requested a copy of my bank statement which my bank eventualy provided, I highlighted the payment of £138.67 to Style Financial Services made on 29th May 2005 (The date I cleared the full balance), leaving my account on 1st June 05. Oddly at the same time I noticed that this was returned to my account on 9th June 05 and so highlighted this requesting why this would happen? I again requested a copy of the original default notice as it had not been recieved with the correspondance.


A further letter was received yesterday saying despite the proof of payment the default would not be removed as this does not tally with the statements at the time and with the notes archived on the account. Statements were attached and fairy enough at 29th May the balance was £107.38. Again no copy of the default was attached.


I then telephoned the lady dealing with my query as we were getting nowhere fast, who stated that the numbers don't tally, there's no notes, as far as I know it could be for another Style account. Why would I pay someone elses and not my own? I tried to reason asking could it be a mistake on the agents part? She said maybe but I cannot see how that would happen due to Data Protection Act when calling. I asked how I could prove that it wasn't for any other account and she said get your bank to prove what account it was toward. How would they know? You post the payment to an account not the bank they just pay you. She then said well the only thing I can do is speak to any mortgage advisor or you can place a notice of correction on your file. Not really much use to me and to me that isn't fair. She couldn't give a reason as to why the payment was returned to my account 8 days later but noted that I should've noticed (fair enough). Was it returned due to an error? She couldn't answer that even saying that yes there is a small possibility it could be an error on Style's part


I remembered recently reading on here about an Egg card and late fees etc being used under the Data Protection Act to remove a default. I asked her if this was true as the deliquent balance was £89 which had risen to 107 then according to the statements £125 when it was entered as a default. She said she couldn't give me advice as it was a conflict of interest, this was after she'd however said that not unless you've claimed your fees back then it would be wrong...(stuttering at this point realising what she was saying I assume) saying but we would only amend the details it would not be removed and that the Style Store Card is not regulated under the CCA. I asked if she could provide a copy of the original default she said no just a template.


Can anyone tell me where I stand with this. I know I should've noticed £138 going back into my account but I didn't. Stupidly I paid Allied international because my parents put me under pressure and I was really stupidly nieve. What do I do??? :confused:

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This story is too complicated, you intended to pay the amount to the correct party, they did not get it, you can prove you intended to pay the party should accept this in good faith adn you pay them again and the matter should be closed amicably.


Send out a strong letter with the facts, enclose a cheque for the £138.00, you will not pay any more charges or interst and you want the default removed. Give them 7 + 2 days to reply. If they don't write off an 'in dispute' letter realting to the CCA not replied to. They cannot take any further action or bother you in any way let them take action agaisnt you in court.





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Thanks for replying ieaun, it is really appreciated..


It has been paid 4 years ago! I paid it to their DCA 9 months after the original payment was made to them. The account is closed.


Style accept that a payment was made to them by me but it cannot be proved that it was for that account and therefore wont remove it on that basis.

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