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reclaiming catalogue fees


Tigerbird45
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you need to be reading up on like threads in this forum you are in too

 

get yourself upto speed

 

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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Hi dx

 

 

well my total account with Studio is around £950

 

 

I think that's why I said could I push with getting the charges back JUST on the 3 years statements Studio

have sent me charges plus 8% interest come to just over £1000 that would be account closed no more Studio

 

 

esp if I tell them I could go for the SAR and 23 years charges thanks for you thoughts Sir Mike

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not 8%

its at THEIR INT RATE.

 

pop what you have

each charge [from the list I gave earlier]

each on its own line

 

pop their int rate [as APR] in cell d 15.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

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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no its simple follow my instructions above

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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Share on other sites

Hi dx as I've only got a iPhone 4s can't seem to make the CISheet work press the boxs but nothing thanks Mike

 

Hi dx just been looking in to Studio terms n condition one joke is that a contract with studio is no cancel able any way there interest rate is 44.9% as I don't pay by direct debit and now because I sent the CCA it's gone up to 59.9% crazy people at there interest rate the 3 year statement go up to 1350.36

 

Hi Dx this is just a taste.

1/01/92 Opening Balance. £322.61.

Bank payment. £20

Service charge. 9.50

Bank payment. £20

Service charge. £9.05

Bank payment. £30

Service charge. £15.30

Debit payment. £23.71

Service charge. £11.46

Payment. £30

Service charge. £11.11

Payment. £30

Service charge. £10.56

Payment. £25

Service charge. £10.00

Payment. £30

Service charge. £9.56

Payment. £20

Service charge. £8.97

Payment. £44

Service charge. £8.65

Payment. £20

Service charge £8.90

Service charge. £8.58

Default sum. £20

Well that's first sheet not included the invoices

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oh so no way of doing a spready then...that s a bit of a bummer for you

 

 

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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Share on other sites

Hi Dx never mind mate

I'll just go for the Sar seeing that Studio put my % up to 59.9%

 

 

got a email from them saying they will look into my complaint n get back to me

 

 

just provide me with a credit agreement signed by myself crackers thanks dx

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not got a friend or neighbours pc you could use surely?

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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Share on other sites

Hi dx no Sir I would ask one of my daughters but there under the kosh at the moment with studies thanks Mike

 

Hi Mikey that's a plan that I was going to do but even closed I still have to pay at 44.9% interest so really it will never go down I think a Sar would be best it's just at the moment the mrs want to get a new cooker so that will be more credit just having a new kitchen put in by Hull Council if I Sar Studio will this deny us credit on GP for the cooker thanks mate

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not the £8.90ish variable ones

 

all the fixed sum penalties at £12

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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Share on other sites

already answered

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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Hi dx it's just the with Studio it's all admin charges as the small statement I showed earlier as we paid like clockwork there's not many default charges only 7 default in three years ok I know some of the service charge is interest but they get bigger n bigger so just the defaults thanks Mike

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no you put each charge from whatever date and whatever level [£20.£25,£12]

INDIVIDUALLY into that spreadsheet

each on its own row

 

 

then pop their avg APR for all the years in cell D15.

 

 

you need a PC and excel or open office.

 

 

or a spreadsheet program for your tablet the runs open office or alike

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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Share on other sites

have you ALL the statements scanned up

 

 

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... 

Link to post
Share on other sites

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