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Lewis Group/HFC


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Can i reclaim the default notice fee for example? Cheers!

Do you know the basis on which you can reclaim any of the charges? I say this because it answers your question...:-)

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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yep those fees.

 

so if you totall them up + add 8% [if anything else]

what do you get inrelation to the bal o/d

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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yep those fees.

 

so if you totall them up + add 8% [if anything else]

what do you get inrelation to the bal o/d

 

Thanks dx. Will do so in the next few hours.....but.... have just recieved a letter with I think an enforcable CCA :-( So looks like im going to have to reclaim in any case!

Will post up shortly for inspection.

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i take you have the other 2 pages/ [the T&C's?]

 

dx

that looks like a std PC world agreement signed instore at time of purchase.

 

per's i'd get those charges back+int at the loans APR rate

then i doubt they'll go anywhere near court for £150ish

 

if you wished then offer £5PCM.

 

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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Share on other sites

i take you have the other 2 pages/ [the T&C's?]

 

dx

that looks like a std PC world agreement signed instore at time of purchase.

 

per's i'd get those charges back+int at the loans APR rate

then i doubt they'll go anywhere near court for £150ish

 

if you wished then offer £5PCM.

 

dx

 

Hi dx. Yes its a PC World signed agreement instore as noted. No, havent been sent pages 2 and 3 with t's and c's. Would/does that make a difference?

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a hell of a lot

makes it un-en for a start

the T+C are PART of the agreement so thus PART of the CCA request.

 

no compliance = non payment.

 

TBH i dunno why you're spending time on this faffin around

they've had 15mins of fame

 

get reclaiming!

 

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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Share on other sites

a hell of a lot

makes it un-en for a start

the T+C are PART of the agreement so thus PART of the CCA request.

 

no compliance = non payment.

 

TBH i dunno why you're spending time on this faffin around

they've had 15mins of fame

 

get reclaiming!

 

dx

 

LOL! Point taken...let the reclaiming commence! :whoo:

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i hope you used THEIR int rate compounded?

 

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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Share on other sites

i hope you used THEIR int rate compounded?

 

dx

 

Ive added up the charges plus 8% to give me the £124 figure.

On the info they have sent the interest rate is 21.8%. Is that what I am looking to add on?

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yep!

 

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... 

Link to post
Share on other sites

only after you either issue court papers or go to the FOS

 

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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Share on other sites

only after you either issue court papers or go to the FOS

 

dx

 

Cool. :-) Just to get this right (as im re-calculating all the charges today) -do you add the 21.8% to each individual charge or to the total sum? Secondly,- only add the 8% on top if issuing your N1? Cheers!

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at THEIR rate from the date of each charge to the date of the claim

 

use:

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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