reclaiming catalogues charges plz help

[playgirlbunny]

not sure if this is in the right place as im new so sorry if its not!

 

hi people i really need some help and advice.

i have 5 catalogues and have been charged ridiculous amounts of late payment fees over the past 2 years but more to my horror i have been getting charged2 sometimes 3 times a month for

1.late payment fee

2.being in arrears on the account

3.for them sending me a letter stating i owe them money

now to me being charged £12 to send a letter through my door is absolutly ridiulous. i have rang all 5 catalogue companies asking to send me all my statements from all accounts from statement 1 to the present day and have been told its going to cost me £25 to receive this information.

i basically want to know can i recaim these charges and if so how do i go about re claiming them.

if anyone has a link to a form that can be filled out online this would be great.

MANY THANKS x

[maroondevo52]

Hello and Welcome, playgirlbunny.

 

Your right, all these charges are re-claimable, I'll move this thread to the appropriate Forum.

 

This thread should help.................

 

http://www.consumeractiongroup.co.uk/forum/mail-order-catalogues/214239-can-i-still-claim.html

 

Regards.

 

Scott.

Edited July 12, 2010 by maroondevo52

[maroondevo52]

Hi,

 

I sent you a Private Message with the link to your thread.

 

Please continue to post on this one

 

Once you get your statements, total up the charges and put them on a spread sheet and send a prelim letter to your account holders, asking for your charges back, they will more thank likely fob you off saying their charges are fair ect.

 

Just edit this prelim letter to suit...............Send it recorded delivery.

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/121-bookworm

 

You should then send them a Letter Before Action giving them 14 days to comply with your request.

 

Let us know how they respond.

 

Regards.

 

Scott.

[playgirlbunny]

thanks scott

 

been reading through a few offers to try and make sense of what i need to do as dont want to be mithering on here LOL

 

that links for the prelim is brilliant thanks, hopefully will get it all sorted just in time for christmas.

 

the reasons for some of their charges is ridiculous and am so not happy but i am not one to leave it so lets hope it goes in my favour.

 

again thanks

[playgirlbunny]

i have a catalogue with 5 different companies and i applied for the accounts online and did not sign anything.

does anybody know if i have a credit agreement with them or not as i believe i havent due to not digning anything.

 

need to know asap plz

 

thank you all

:)

[dx100uk]

sadly in case you think that will get the debts written off.you've been paying too much attention to the crap these reclaim co's advertise.

 

even if the agreement does not exist or is un-en, it is not some magic bullet that wipes debt out.

 

give us more info and there maybe otherways to help like unlawful fees and mis-sold PPI

 

dx

[playgirlbunny]

i have 5 catalogue companies and am in the process of awaiting a reply from them after i sent a sar letter to them.

 

i have been asked that under the catalogues terms and conditions about the charges was it stated what charges i was going to get.

to be honest i dint read the terms and conditions to do with charges.

i ticked the box online when i opened the account and agreed to the terms and conditions so will this affect me re claiming any charges back as i have been getting charged £36 a month in charges and still feel this is wrong and unfair???

 

thank you x:)

[playgirlbunny]

well basically i have been getting charged 2 sometimes 3 times a month on my catalogues these charges have been for

1. missed minimum payment

2. late payment fee

3. debt collection telephone call

4. sending me a letter

5. being in arrears on my account.

 

every month i have rang them and tried to explain that i can only make the payments when i get paid and unfortunalty i get paid after the date they want their payments. i feel being charged £36 a month is absolutly ridiculous and being charged £12 to send a letter through my door is a joke.

 

i have sent them a subject of access letter asking for all my statements i know that i have had one catalogue since 2008 and they can only tell me of charges dating back from 2009 and that has totalled to £144 so god knows what the year before charges were and wht charges total upto on all 5 catalogues.

 

i am awaiting reply from the sar letter i sent them and once they have sent me my statements i think i need to put them on a spread sheet and send them a preliminary letter

 

i need to know though if ticking the terms and agreements box could possibly affect the proces of me aybe claiming these charges back???

[dx100uk]

no none

 

go get 'em!

 

dx

[sea-sidelady]

No this won't make any difference to your reclaim. As soon as you get your statements, count up every charge, and if you get stuck, let us know.

[playgirlbunny]

thank a lot sea_side lady much appreciated

[playgirlbunny]

i need advice on what to do next.

 

i have been charged ridiculous amounts of money from my catalogues what i have and i have sent them a subject of access request letter. i sent the letter recorded delivery and when i checked the royal mail tracking it confirmed the letter had arrived and been signed for. now the companies are saying they havent had the letter and have passed my case on to find out about my query. this was 2 weeks ago i have e mailed them and rang them and there denying even getting the letter.

 

i want to get this sorted and try to claim my charges back but im getting nowhere with them what do i do from here?

 

thanks guys:mad:

[sea-sidelady]

Hiya PB

 

They legally have 40 days to send you the SAR information. How many days has it been so far? It is good you have the proof they received it, but they are known for dragging it out. Chances are you will soon get a nice bundle in the post. If not there is a letter in the template library you can send them, but for now I'm afraid it is just a waiting game.

[sea-sidelady]

I have also merged your threads together as it is easier to follow your progress if it is all in one place.

[playgirlbunny]

i sent it to them on the 12th july so they still have another 3 weeks i suppose. how do i get access to the templates as i dont know where to find them?

many thanks

[sea-sidelady]

All the letters are here, but we can help if you get stuck

 

http://www.consumeractiongroup.co.uk/resources/templates-library/48-bank-templates

[themadcap]

i need advice on what to do next.

 

i have been charged ridiculous amounts of money from my catalogues what i have and i have sent them a subject of access request letter. i sent the letter recorded delivery and when i checked the royal mail tracking it confirmed the letter had arrived and been signed for. now the companies are saying they havent had the letter and have passed my case on to find out about my query. this was 2 weeks ago i have e mailed them and rang them and there denying even getting the letter.

 

i want to get this sorted and try to claim my charges back but im getting nowhere with them what do i do from here?

 

thanks guys:mad:

 

My son has five accounts with them and is arrears on them all,he got a letter after making a complaint saying he would not get charges back on any account negating and requirement to send letters requesting charges back, so every time a £12/24/26 gets applied he goes staight to court charging them a further £25 court fee on every charge and 8% court fees, its a good idea as they cant win in court and wont turn up or settle before hearings so the balance will eventually be paid off with the court fees, hes moved to switzerland and will return for any hearing dates so should be hillarious when after the first couple of cases the judges start awarding wasted costs orders against littlewoods.

[playgirlbunny]

i have now received my subject access request information from all my catalogues.

 

i have added up all the charges and would like to know where do i go from here?

also i want to know if i am able to claim back any insurance payments and also the monthly interest i was charged on items!

 

any help would be much appreciated.

thank you

[dx100uk]

three threads megred

please stick to this one now and refrain from starting new threads each time you have a new issue.

 

if you read back through this thread

the informatiom is here about what now to do

 

as for the PPI, yes you can reclaim that too + interest

 

see the PPI forum homepage and the stickys up the top esp:

http://www.consumeractiongroup.co.uk/forum/showthread.php?61081

 

you cannot reclaim the interest charged on your purchases, [thats how they make their money] but you can reclaim any interest [at their purchase rate] they have charged you on any unlawful charges & on the PPI.

this you calculate on a monthly basis using:

http://www.egalegal.com/compoundWindow.html

 

from the date of EACH charge [or monthly ppi payment] to the date of your claim

 

rests = 12

 

hth

 

dx

[sea-sidelady]

If you look in the step by step guide in my signature, it will tell you what to do now, also the letters are there. You need to send them the prelim letter and a spread sheet of the charges. All explained in the guide.

 

 

Hmmmmm seems im having a bit of an issue with my sig. Here is the link I wanted you to look at. http://www.consumerwiki.co.uk/index.php/Step_By_Step_Guide

Edited September 17, 2010 by sea-sidelady

[playgirlbunny]

hi all,

i have now totalled up all my charges and i need to put them onto a spread sheet but i have not got a clue how to use microsofts spread sheet and cannot seem to find a spread sheet on this site. i have looked in the library but there doesnt seem to be one there. please could some one help me i need to get this sorted as its stressing me out and im in the process of moving!

many thanks x

[maroondevo52]

Hi,

 

You'll find the spreadsheets here..........................

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/118-interest-calculation-spreadsheets

 

Regards.

 

Scott.

[playgirlbunny]

thank you scott x

[maroondevo52]

I'm useless with spreadsheets but it's all pretty self explanitory.

[sea-sidelady]

ENTER YOUR FULL NAME HERE (PGB)

ENTER YOUR BANK'S FULL NAME HERE (catalogue)

SORT CODE: (Delete this section)

ACCOUNT NUMBER: (XXXX/XXXX)

SCHEDULE OF CLAIM FOR CHARGES

PERIOD: [DATE FROM] TO [DATE TO] (First date and last date)

 

In Respect of: Amount Date Incurred Days since offence Interest 8% APR

 

UNPAID CHQ CHARGE £10.00 31/03/2003 2728 £6.00

You just put the charge reason, the amount, and the date you received it.

 

The 8% interest will automatically add for you in the interest column.

The simple spread sheet is the best one to use.