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Hi,

 

I have arrears with SPPL (now Ascenden).

 

These arrears are £515.00.

 

My due date for payment is the 20th of the month,

however there have been times when I have paid about a week later and I have been charged late payment fees.

 

On top of this they have told me that as I dont have an arrangement in place to pay the extra £70pm

I am being charged an arrears management fee.

 

In order to stop these fees I am to give them details of my incoming and outgoings,

which I dont think is any of their business,

to make an arrangement to pay the additional £70pm that I am already paying.

 

It appears that the arrears that have accrued are not actually mortgage arrears but all the charges that have been put onto the account.

 

Could anyone advise me of the first step to be able to reclaim these charges.

 

I would like to add that I have no intention of giving them my financial details and will continue to pay the additional £70pm,

but am concerned that they will continue to charge the arrears management fee.

 

Your advice please ?

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treat it as a chagres reclaim.

if you've all the statements

 

then fill this in.

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 foslink3.gif 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 restitutionlink3.gif is claimed.

 

CISheet v101.xls

 

 

they are PENALTY charges go get 'em

 

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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yep SAR them

 

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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