Reclaiing Ace shopping default PENALTY charges

[surrender 1960]

Can anyone offer some advice?

 

i have an account with ace for about 8 years.

over this period i have had quite a few default charges.

 

i wrote to ace in may asking for details of all default charges enclosing a postal order for a pound

and asked for a data subject access reqest.

 

they replied promptly with acopy of an unsigned cdreit agreement and a list of transactions on my account from 2004 to the present.

 

i have been unable to deal with this up till now due to family issues.

 

they state that i should send a 10 pound cheque for access request,

 

i think charges ammount to about 600 pound ,what should i do now ?thanks

[i hate bailiffs]

you need to send a subject access request with the £10 fee that will give you all the data they hold on you send it recorded post

[surrender 1960]

What do i do then?sorry to seem daft i have never done anything like this!

[i hate bailiffs]

if you don't have all the statements showing fees that have been applied a SAR will be the way forwards for getting all statements

[BRIGADIER2JCS]

You make a Subject Access request under the Data Protection Act 1980,

there is a £10 statutory fee for this and the creditor has 40 days tio comply.

There is a template letter in the CAG library you can amend to suit.

[surrender 1960]

Thanks, i have some statements dont think all though although what thry sent m shows charges, default and service and payments, your help is appreciated.

[dx100uk]

then you do a spreadsheet and get reclaiming

 

plenty of thread here to read.

moved to the mail order forum for you too.

 

dx

[surrender 1960]

can you please tell me how to do a spreadsheet?thank you

[dx100uk]

firstly you need every statement

 

dx

[surrender 1960]

need help again! i do not have resources to do a spreadsheet, i have however got from ace lists like Helenm post started 30/5/2012 sent to you as studio 1 pdf where do i go from here ,thanks

[dx100uk]

if you have a computer with ms office [excel]

if not download open office

 

you can use the spreadsheets already done from this siie.

 

dx

[surrender 1960]

thanks for advice ,

can i please have some more ?

 

i opened calculator and tried to do a spreadsheet

 

.i am not sure where i am going wrong,

 

there are 8 charges of 14.95 and 22 of 20.00 dating from 9/12/2004 to may 2012 and total charges are 559.60 that much i know

but the interest calculated as 910.91 making a total of 1470.51 .

 

i have no idea what to do !

 

thanks

[dx100uk]

use this

 

This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that fos will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitution is claimed.

 

CISheet v101.xls

 

 

dx

[surrender 1960]

thanks again, i used your link but although the cgarges are the sam the interest is 1004.12!!what am i doing wrong?

[surrender 1960]

thanks for all advice .

 

i have been looking further at my account and i actually purchased goods to the value of £231.19 ,mostly 2004/5,

 

i have paid £1015.23!

i still have a balance of £175.15, the defaults ammount to £559.60,

each month they add a service charge which is usually 4-5 pounds,

do i try to claim back service charges too or do i try to reclaim the £559 with compound interest using the spreadsheet dx sent me?

 

i am stunned by the amount those few gifts have actually cost me and dread to think what i will actually pay in the end if it is ever paid off ,ace is a massive rip off.

[ims21]

Post up the spreadsheet please so we can have a look

[surrender 1960]

can anybody tell me how to post these please?

[ims21]

can anybody tell me how to post these please?

 

Use the "go advanced" button underneath a message box and then "Manage Attachments"

 

Upload the file and then insert it into your message

[surrender 1960]

acecharges.xls

[ims21]

Is the interest rate you have used the rate that was being applied to the account?

[surrender 1960]

i am trying to attach the transaction document ace sent me also for you to see,

[ims21]

For those docs you will need to convert them to PDF files and upload them

 

Use this method

 

Dx100 – Instructions on uploading pdfs

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

go to one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

[surrender 1960]

the interest rate i used is the rate shown on reverse of statement "44.9% apr typical(variable)or 29.5%(variable)if you choose to pay by direct debit."is this where i am going wrong? thanks for your time and patience.

[ims21]

Your spreadsheet is right subject to whether the interest rate they were actually charging you was 44.9 or 29.5

[surrender 1960]

the interest rate is that shown on reverse of statement "44.9% apr typical (variable) 0r 29.5% (variable ) if you choose to pay by direct debit (which i didnt)