Jump to content


JD Williams, reclaiming Admin Charges. What next?


juliet_lundie
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3032 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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.

19/08/2006 Request for statements sent, with £10 cheque.

26/08/2006 Statements received - cheque returned

05/09/2006 - Preliminary Request for £1153.50 sent by Recorded Delivery - NO RESPONSE

21/09/2006 - LBA Sent by Recorded Delivery

27/09/2006 - Letter received from HSBC offering a "full and final settlement" of £1040.00

28/09/2006 - Rejection of settlement offer sent by Recorded Delivery

04/10/2006 - Offer of settlement IN FULL from HSBC :smile:

 

*~~Thank You to Everyone for the Wonderful Advice~**

Link to post
Share on other sites

  • 2 months later...

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

19/08/2006 Request for statements sent, with £10 cheque.

26/08/2006 Statements received - cheque returned

05/09/2006 - Preliminary Request for £1153.50 sent by Recorded Delivery - NO RESPONSE

21/09/2006 - LBA Sent by Recorded Delivery

27/09/2006 - Letter received from HSBC offering a "full and final settlement" of £1040.00

28/09/2006 - Rejection of settlement offer sent by Recorded Delivery

04/10/2006 - Offer of settlement IN FULL from HSBC :smile:

 

*~~Thank You to Everyone for the Wonderful Advice~**

Link to post
Share on other sites

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?

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

 

Link to post
Share on other sites

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

19/08/2006 Request for statements sent, with £10 cheque.

26/08/2006 Statements received - cheque returned

05/09/2006 - Preliminary Request for £1153.50 sent by Recorded Delivery - NO RESPONSE

21/09/2006 - LBA Sent by Recorded Delivery

27/09/2006 - Letter received from HSBC offering a "full and final settlement" of £1040.00

28/09/2006 - Rejection of settlement offer sent by Recorded Delivery

04/10/2006 - Offer of settlement IN FULL from HSBC :smile:

 

*~~Thank You to Everyone for the Wonderful Advice~**

Link to post
Share on other sites

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

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

 

Link to post
Share on other sites

Thank you very much

19/08/2006 Request for statements sent, with £10 cheque.

26/08/2006 Statements received - cheque returned

05/09/2006 - Preliminary Request for £1153.50 sent by Recorded Delivery - NO RESPONSE

21/09/2006 - LBA Sent by Recorded Delivery

27/09/2006 - Letter received from HSBC offering a "full and final settlement" of £1040.00

28/09/2006 - Rejection of settlement offer sent by Recorded Delivery

04/10/2006 - Offer of settlement IN FULL from HSBC :smile:

 

*~~Thank You to Everyone for the Wonderful Advice~**

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...