Advice needed please

[dieudas]

Please could someone tell me, if you have a debt that totals £500 and the charges on this debt are £251 , thus meaning the actual amount owed because those charges are unlawful is actually just £249. Am I right in thinking you could claim back those charges therefore covering the amount of the real figure owed? or no?

[BRIGADIER2JCS]

You can certainly reclaim unfair and unlawful charges, have

a read through the forums post, theres lots of good advice

on this subject.

Is this a hypothetical question or a problem you have

currently.?

[dieudas]

to be honest I'm not sure, I know that sounds a bit strange but none the less true. I got myself into a bit of a pickle a few years back (2006/7) , was moved out of my house into emergency accommodation, my ex was abusive, there's a year or so there where I don't much remember a lot of what was going on , was pretty depressed. Anyway I have a few of these debt collection agencies now asking me for money, one of them is in relation to a debt I have asked them to send me an agreement for but, they say its a catalouge debt so they cant because this type of account dosnt have an agreement, they did send me a print out and on it lists the items/prices/charges etc the charges are over half the amount of the total they say I owe....no account number on the print out.. nor my name, just like an excel sheet.

[BRIGADIER2JCS]

That's meaningless, all catalogue accounts have regulate agreement,

even if it is on a response coupon from a newspaper or the like.

Who is chasing this one and which catalogue company is it?

[dieudas]

Hi..it's aktiv kapital, the company us jd Williams..they said because of the kind if account it is it dosnt have an agreement..

[BRIGADIER2JCS]

That really is a load of Cr*p to my mind there is a mountain of

threads and posts on this mob, I believe when you make your first

purchas an account is opened for you I seem to remember

those exact words being used.

Aktiv are prone to pursuing these types of debts, and being vague

in the hope that a proportion of the people they contact will pay up

on debts they've bought for pennies.

 

Are they pressing hard at the moment if you can give me a little time

I'll do a little ''digging'' and find out about their accounts.

 

Brig.

[dieudas]

The man who is writing to me has basically said He wants to know the dates i lived at the address the catalogue was opened at and he wants to know my opinion on the print out He sent me...

I'm not going to rush to answer him and I'm grateful for whatever you can find out

[BRIGADIER2JCS]

Hi I'm so quick I met meself coming back:madgrin:

 

JD Williams application from and advert:

 

''Right to refuse application is reserved.

When we accept your order,this will also act as a request to open a credit

account for you subject to status.We search the file s of credit reference agencies who

record the search and we will share information about you and the conduct of the account

with them AND OTHER LENDERS and relevant third parties (DCA's I suspect),

Information about you and those you are financially linked to will be used

to verify your identity and the credit assessment of you and or members of your household.

 

We will also use your information including shopping habits to open and run your credit account.

Including payment recovery, fraud prevention and debtor tracing etc

There is no mention of CCA 1974 but a credit contract it surely is.

[BRIGADIER2JCS]

See the post that has just crossed I will find out the status of these accounts.

 

Brig.

[BRIGADIER2JCS]

The group holds a Consumer Credit License.

[dieudas]

Thank you I am going to tell him that so they should really be able to give me the agreement..

[BRIGADIER2JCS]

The CCA is mentioned on their web site.