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Monument Payment Break Plan


drob
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I had a disputed Credit Card account with Monument and the alleged debt which i disputed became statute barred. I haven't heard anything from Monument for a couple of years, however I received a letter this morning.

 

Dear drob

 

Thank you for your recent correspondence ( I haven't corresponded with them recently)

 

We have reviewed your account and can confirm that yoy subscribed to the Payment Break Plan product. Without admission of liability, and as a gesture of goodwill we are prepared to adjust your account with the fees plus compound interest.

 

Payment Break Plan Charges: £179.04

Account Rate Interest: £86.72

8% Statutory Compensation £35.80

Total Adjustment to Account £408.96

 

I am just wondering if I should be cheeky and ask for the cash, should they be applying the Payment Break Plan refund as an adjustment???

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maybe could try. if it is already barred, then the bar cant be reset.

whether though the offset will be allowed. but, the statutory interest should, at least, be yours in hand.

see what the guys say :)

IMO

:-):rant:

 

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Don't trust them on the figure of redress

Sar for the statements

 

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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.... but, the statutory interest should, at least, be yours in hand.

see what the guys say :)

 

seems, following recent decisions, that may not be the case. and that may also be offset?

but, yeah, make the enquiries.

IMO

:-):rant:

 

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Sure?

 

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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Thought so

I'm gonna find the org fos PDF

As going by my old link in that thread is gone!

 

Int to note

They don't appear to mention the set off of stat int at all

Just that set off can happen if certain conditions are met

 

Urm...

 

I'll look later

 

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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