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    • Interesting. Thanks for that London.  That’s what I’m gathering.     iv no doubt they would send me fake documents but would they really dare present fake documents to a court of law?
    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
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Studio cards admin and service charges *** WON WON WON ***


lra
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I recently contacted studio who sent me a list of all past transaction from 2000 to 2008.

 

 

I have invoices which total approx £1000 but I have paid back approx £2900.

 

The list consists of admin charges (£600) ,

service charges (£750) and PPP.

 

I have put in a claim for the admin charges and studio have agreed to send me a cheque for £400 :| (£300 plus £100 interest) they will only go back 6 years.

 

I would like to try to claim all these charges back.

 

I don't think the agreement is the original one.

 

Can somebody PLEASE help me as this cheque could turn up anytime now,

do I send it back and continue with this claim or bank it?

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Hi Ira

 

So here we are with the charges claim then.

 

If you want to claim all of these charges back it is likely you will need to sue.

 

This is the spreadsheet you will need.

 

CISheet v101.xls

 

Enter each of the charges into the sheet with the date, the description and the amount. Set the "Claim to" date as today. Set the interest rate to the rate they were charging on the account.

 

Let us know what the amount is that the spreadsheet calculates for you.

 

If their cheque arrives hang on to it for the time being and let us know exactly what their letter says.

 

When you've done the spreadie come back here and we can move forward.

 

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Last letter received on the 27th September stating that my details have been passed onto their refund department but how long should I wait before contacted them, I am rather impatient :wink:

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Do I bank the cheque and send a letter saying I except as part payment? Does anyone have a letter template for this? Ims21 did you receive my email with spreadsheet?

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Ooops...my bad....couldn't see the wood for the trees.

 

Yes got the spreadie but you have entered all of the service charges....they are not claimable, they are part of the interest on the account.

 

It is the default fees that you need to enter.

 

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Yes, that's better.

 

Send them a copy of the spreadsheet and a letter telling them that you are not happy with the amount they have offered and that you expect them to repay all of the default fees and associated interest.

 

Tell them that if they do not refund in 14 days you will put them on further notice of 14 days before commencing legal action against them.

 

Only threaten them with court if you intend to go through with it.

 

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  • 2 weeks later...

Received letter from studio today which states " Under the courts guidance, the statue of limitations says you can only claim charges for the past six years. The aforementioned is and remains our final decision in this matter and we must now consider this matter concluded. I am sorry but you cannot assist you further." I now want to take studio to court to claim the remainder of these charges back with contractual interest. I haven't yet sent them the LBA so if some nice person could post an up to date LBA that would be great. I have given studio a chance and have only requested the 8% interest but they have failed to refund all the charges but it is not for them to say this matter is concluded, they owe me money and I want it back so lets see what the court says.

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Have a read of this thread

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**

 

The principle you would adopt is the same.

 

There is an lba in there which you can adapt for your purposes. Make sure the amount you are claiming is less than £5,000 so that, if it does go to court, it will be in the small claims track.

 

Your lba should be headed as such and give them 14 days to cough or else you will issue in court.

 

Send an updated spreadsheet with the lba.

 

As has been mentioned before, only threaten court of you intend to go through with it.

Edited by ims21

 

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I intend to take them to court but haven't got a clue where to start or how much it will cost me but I will read around this site and the thread above, wish me luck :!:

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You start by sending them an lba detailing what you want and you enclose an updated spreadsheet. This ensures you comply with the pre-action protocols.

 

If they don't refund you then you would issue a court claim using Money Claim On Line (MCOL) where you will also find information on the fees payable.

 

They would then need to acknowledge the claim and put in a defence. If they do neither of these two things then you can apply for judgement by default and effectively you win.

 

If they put in a defence then the process start to move towards a hearing.

 

In your case you will need to rely on S32(1)© Limitations Act and be aware of the case law of Kleinwort Benson -v- Lincoln City Council.

 

If and when it gets to court stages we can help you with the process.

 

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