Jump to content
  • Tweets

  • Posts

    • When it comes to animals my heart is just shallow. Sorry to hear that.
    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
    • Plevin is not a calculation. its a refund of commission they got as they had a backhander of greater than 50% of the PPI sum paid for selling it on behalf of the insurance company that underwrote the PPI policy.   you are after reclaiming the PPI itself. and that is what all our PPI stuff is geared too.   have you still a copy of what you originally sent though as you don't even KNOW what plevin was , how could you have ever have asked for it.!!   pers i'd write back. (you seriously need to stop talking on the phone!!) stating quite clearly that you REJECT totally their refund under the Plevin Rules. my Claim was to reclaim the PPI a paid, not for a refund of your hidden commission!!   i give your 14 days to refund inline with the enclosed spreadsheet , else i will raise a complaint without further notice to the FOS.   please reply in Writing Only.            
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

£25 "admin fee" for bounced payment?


Please note that this topic has not had any new posts for the last 5114 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I've just had a letter from my wifes car insurance company, this months payment has bounced and they are charging me a £25 administration fee on top of the payment of £97.

 

I'm thinking "penalty charge", do the same rules apply to insurance companies as they do to banks? I'm bound to have agreed to high fees when i took out the policy, but are they enforceable?

 

Many thanks

Steve, xxxxx, UK

 

Barclays

DPA letter delivered by hand 04/04/06

Statement request confirmed & DPA payment refunded! 06/04/06

Link to post
Share on other sites

Exactly the same rules apply - this is an unlawful penalty charge.

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

Link to post
Share on other sites

Marvelous thanks, i'll get writing :)

Steve, xxxxx, UK

 

Barclays

DPA letter delivered by hand 04/04/06

Statement request confirmed & DPA payment refunded! 06/04/06

Link to post
Share on other sites

The company is "its4me", an online based company, not got a clue where the policy booklet is, the wife has "tidied" unfortunatly.

Steve, xxxxx, UK

 

Barclays

DPA letter delivered by hand 04/04/06

Statement request confirmed & DPA payment refunded! 06/04/06

Link to post
Share on other sites

Just to rub the salt in, i got the letter from Barclays telling me i was getting a £30 charge from them too. £55 of collective fees for a bounced £92 insurance payment, lovely.

Steve, xxxxx, UK

 

Barclays

DPA letter delivered by hand 04/04/06

Statement request confirmed & DPA payment refunded! 06/04/06

Link to post
Share on other sites

You can only read its4me policy wording if you have your policy details. It is an on line policy which Swintons run.

 

I will work out a letter for you asking for the returnof this £15.

 

Be back later

 

LOULA

Link to post
Share on other sites
  • 3 weeks later...

I have the same issue with my insurance finance provider. They are charging me a £25 admin fee and I got my bank charging me £35 quid for the bounced DD. I have read the terms and conditions and it mentions nothing about 'charges'. I spoke to them today and they said its stated on the credit agreement which I do not have a copy of. Now if im correct, they are required by law to provide me a copy?

Link to post
Share on other sites

Yes they are obliged to supply you with a copy.

 

Suggest you obtain a copy and try to claim back this charge stating you were not provided with the T&C's at the time of completing the DD.

 

LOULA

  • Confused 1
Link to post
Share on other sites

Hi SB118

 

I would suggest you write to them requesting a copy of the document where it states they make a charge for bounced DD's.

 

When it arrives, inform them youhave not seen it before and therefore you should notbe chraged on this occasion.

 

LOULA

Link to post
Share on other sites

I have a copy of it here. Their charges are interesting. If you cancel the policy they will charge you an extra month's payment plus £30. I wonder if this a penalty charge :?::x

Link to post
Share on other sites

I would say it is.

 

I am trying to wade through the FSA guidelines on fees and charges. I will have a 'purple wobbly' if they condone this type of charging.

 

If it were me, I would be writing a letter stating that this is a penalty charge and demanding my money back.

 

LOULA

Link to post
Share on other sites
  • 1 month later...

Hi Folks

 

I have also been subject to "Its 4 Me" £25 Admin Fee. My £17 Direct Debit was returned because I would have gone O/D by £7 (for which Bank of Scotland charged me £39 as a result). I sent a 'cut and paste' version pf the preliminary letter via e-mail to 'Its 4 Me'. I received a very prompt recorded delivery response today saying that "It was cleary stated in the Pre Contract Information that a charge of £25 would apply to any Direct Debit that falls into arrears." and then gave me an address to contact if I wished to dispute this. I cannot remember receiving the pre-contract information. The only documents I have are the Insurance Certificate, and the letter for this years quote saying that my cover will continue unless I say otherwise, as the Direct Debit is already set up.

 

After all that pre-amble, my question is this, should I continue with the LBA?

Link to post
Share on other sites

Online Insurance is the worst for hiding charges, but most online brokers have to make money somewhere - its the charges that do this.

 

They all display them as its required under FSA reg's, however you will find it normally hidden under the "Terms & Conditions" which they usually require you to read and tick a box confirming this. Best way is to click the links, and print it out. Then at least you have a copy to read all the information. Its there to be read.

I wont make out to be a martyr but how many people click online without reading? (I've done it!) If theres a box to click confirming you have read something and you havent, then the Insurer has the right to charge you as you have clicked through own fault. Thats why they have online assumptions as well, online deals are always assumptive to certain criteria - you have to meet that to get the deal.

 

In all Insurance situtaions you should still have a copy of all documentation sent in the post whether purchased online or via a call centre as how else are you able to read all the small print and know what you have cover for ? (excluding short term insurance)

 

Its4me used to have a bad reputation for Customer Service, whether this still stands I don't know.

 

--------------------------------------------------------------------

:???: Did you know! - Insurance Companies do not make money from new policies, only renewals?

In Insurance, thinking "It wont happen to me" could mean you dont have the cover you want at a time when you want it! - Dont always reject a Courtesy Car or Legal because you find the cost too much! Whats more valuable? YOU or the Policy Premium?

------------------------------------------------------------------------------

Please add to my reputation if my reply was informative to you. (click the scales);) Replies offered by me are not linked to anyone, and is from my own personal experience.:grin:

Link to post
Share on other sites
Marvelous thanks, i'll get writing :)

 

hi there i am also with Its4me insurance company and they also have charged me £25.00 ad fee. i am glad that you are writing to them for the theft can you please tell me are you writing the same letter as you wrote to the bank, that is the template that we can download the one where we do not know what our charges are or can you please help me out and tell me what you are going to write. much appreciated

BOS-CC

21.6.6 - DPL pstd, 24.7.6 - Plm Ltr £2928.77 ,01.8.6 - Ltr rcvd from BOS- fob OFF,04.8.6 - LBA pstd,06 - Sm Clms fr crt,12.9.6 - rcvd £868.35 part pymnt, £2198.67,12.9.6-ltr acptng pp and lba,

31.10.6 - Sm clms fr crt

BOS-Crt(2)

21.6.6-DPL pstd,04.8.6-Plm Ltr £4824.93,24.8.6-LBA pstd

RBS1

24.7.6-DPL pstd,05.9.6-Plm ltr £3232.47,19.9.6-LBA,31.10.6-sm clms crt Won

RBS2

18.9.6-DPL pstd,08.11.06-plm ltr £1,138.51 Won

Link to post
Share on other sites

ive experienced exactly the same £25 charge / theft from my "its 4 me" car insurance policy for a missed DD payment.

 

I'd like to know what letter people recomend sending to "its 4 me" to reclaim my charges back. Please help...

 

thanx

Link to post
Share on other sites
  • 2 weeks later...

I don't recommend using its4me at all - I used them a couple of years ago until i had to make a claim (someone helpfully decided to set alight to my old banger one night and write it off for me) and they were awful - they told me I wasn't entitled to a payout for what was in the car because I was TPFT - except I'd been paying fully comp ever since I took the policy out.

 

Apart from that they were awful - dragging their feet and keeping you on hold for hours. Did FA when I made a complaint.

HSBC - full refund = £647

Capital One - full refund of £220 + court costs + interest

Link to post
Share on other sites
  • 3 months later...

Hi

 

I have just wrote to Its4Me to reclaim £75 worth of direct debit default charges.

Within 4 days I received a response informing me of the following:

 

I would firstly like to state that all our charges are lawful under statute and they reflect the costs incurred by the finance company (who process the loan on our behalf) in order for them to be able to get the direct debit mandate reinstated after a default. The OFT report on 5/4/06 mentioned in your letter was in relation to the costs levied by credit card companies for late payment and did not concern direct debit defaulted payments.

 

All our procedures and fees have been approved by the FSA (who acts as our governing body) and they were outlined to you when you sent the pre contract information at the inception of the policy. The £25 reinstatement fee was also only applied on three occasions because when you paid the the remainder of the policy in full on 29.09.06 we did not require this additional amount as there was no need for the direct debit to be reinstated.

 

I would like to thank you for your continuing business and I hope that you will remain a customer as you will find that the fees that we levy are standard throughout the industry.....

 

 

Does anybody know what my next move should be with regards to this letter?

 

Thanx

Link to post
Share on other sites

I would direct them to section 5.14 of the OFT statement:

 

Implications for other standard default charges to consumers


    5.14 The broad principles set out in this statement are likely to be relevant to other default charges in standard agreements with consumers, such as those for mortgages, store cards and bank accounts. We expect the banks and other finance businesses to consider the wider implications of these principles, and to bring any similar charges they impose for breach of contract into line with them, where and as appropriate bearing in mind the different legal and practical contexts in which they operate. If appropriate steps are not taken within a reasonable timescale, further regulatory investigation of the position can be expected.

     

    ...and if they still refuse to refund the charges then take them to court.

    Alan, Derby, UK.

     

     

     

    PLEASE HELP US TO KEEP THIS SITE RUNNING

    EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

     

     

     

     

     

    ________________________________

     

    Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

     

    DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

     

    Advice given is purely my opinion, and is not based on any legal training.

    Link to post
    Share on other sites
    I would direct them to section 5.14 of the OFT statement:

     

    Implications for other standard default charges to consumers


      5.14 The broad principles set out in this statement are likely to be relevant to other default charges in standard agreements with consumers, such as those for mortgages, store cards and bank accounts. We expect the banks and other finance businesses to consider the wider implications of these principles, and to bring any similar charges they impose for breach of contract into line with them, where and as appropriate bearing in mind the different legal and practical contexts in which they operate. If appropriate steps are not taken within a reasonable timescale, further regulatory investigation of the position can be expected.

       

      ...and if they still refuse to refund the charges then take them to court.

      Thanx Alan,

       

      I will try this..mucha appreciated will keep you posted! rar

      Link to post
      Share on other sites
      • 12 years later...

      This topic was closed on 03/07/19.

      If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

      If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

      - Consumer Action Group

      Steve, xxxxx, UK

       

      Barclays

      DPA letter delivered by hand 04/04/06

      Statement request confirmed & DPA payment refunded! 06/04/06

      Link to post
      Share on other sites

      Please note that this topic has not had any new posts for the last 5114 days.

      If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

      If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

      Thank you

      Guest
      This topic is now closed to further replies.
      • Recently Browsing   0 Caggers

        No registered users viewing this page.


      • Have we helped you ...?


      ×
      ×
      • Create New...