JD Williams, reclaiming Admin Charges. What next?

[juliet_lundie]

Hi Folks,

I'm hoping some kind soul will point me in the right direction for my next move.

I have had an account with JD Williams for at least 7 or 8 years now.

Last year, I got fed up with all the 'Admin charges' that were placed on the account, so I wrote asking for a summary of all transactions. Oxendales duly did so and I was shocked to find the charges over the years totalled beyond £700.

(I do accept, and do not want to get into the argument that I should have simply not made my payments late. There were extenuating circumstances, including living abroad with the RAF which complicated getting payment on time. I did, at the time, explain this to JD Williams but received no sympathy).

Anyhow, I wrote to them, requesting a refund for the charges and received the standard 'get knotted' letter.

So I moved on to the next stage, by writing and suggesting that, should they not comply, I would consider taking them to court.

I heard nothing for two months, and then, last week, I received a letter from 'Oxendales' 'Without Prejudice' which stated, amongst a lot of waffle about whether the charges constitute penalties, that they are still not willing to refund the charges.

Furthermore, they have now removed the credit limit for my account although, naturally, they are quite willing for me to use their company as a cash account. I looked at my account today:

The 'available to spend' is now a minus figure

The balance is the full amount due

The credit limit is £0

So I am now confused.

Do I have any more actions I can take? Do I have to go down the Court route? Is this likely to cost me anything excessive if |I do not succeed? And can someone please advise me, preferably with links to any suitable templates?

This is for an amount in excess of £700 so I'd rather not let it lie, unless I'm at greater risk of it rebounding on me.

Thanks in advance for your advice.

[juliet_lundie]

I'd still be grateful for any advice, thanks.

[ims21]

Hi

 

Sorry you were missed.

 

If they have not refunded the charges then it looks like you may well have to issue against them.

 

You say you have a list of ALL the charges levied to the account....does that comprise a list of each charge, the amount, what it was for and the date it was applied to the account?

 

Have you done a spreadsheet with the interest calculations on it so that you now exactly what amount you are claiming for?

[juliet_lundie]

Thanks for getting back.

I have all the statements with all transactions including admin charges.

So what is the next stage in the process, please?

Much appreciated

[ims21]

Complete this spreadsheet in accordance with the instructions in the "Notes" tab.

 

When you have done that you will need to write to the company again with a formal Letter Before Action which we can help you with. Get the spreadsheet done first though and let us know the amount it comes up with.

 

CISheet v101.xls

[juliet_lundie]

Thank you very much