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Shop Direct Interest- can I claim this back?


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Hi everyone

 

I have recently claimed back £300 pounds worth of charges from Shop Direct. My claim included interest at 39%. Howver, they state they won't be refunding interest back on these charges which nearly amounts to £280. This is my remaining balance. They defaulted me last year for £347- can I get this Default removed and claim the interest back?

 

Thanks everyone

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For unlawful charges you should claim any interest that accrued as a result of those charges so yes, claim it back.

 

If they say they are not refunding the interest you have decide whether you are going to accept it or be prepared to take court action.

 

Removal of a default can be very difficult. If you can show that the default arose purely as a result of the unlawful charges then you may have a chance.

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  • 5 weeks later...

You will need to work out what the interest charge is that you are claiming back as a result of the charges.

 

You can use this spreadsheet to do the calculations.

 

CISheet v101.xls

 

If you have written to them and requested the associated interest be repaid but have been met with a refusal then the next thing would be to send them a "Letter Before Action" giving them 14 days to pay up. Failing that you would then issue in court using form N1.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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