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Studio/Express Gifts Claiming charges on a closed account?


mummybear89
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Hi there,

 

 

Can anyone help me, I have recently been going through some old paperwork whilst clearing out and have found some statements from credit accounts I had. These were paid off earlier this year after a lengthy repayment period however I do recall questioning the charges once before on the phone.

 

 

One of these accounts was with Studio/Express Gifts. I have found a thread on here from 2007 but was looking for some up-to date information about reclaiming charges. The Default sum on this account was £20 a time, and I recall that there were many of these placed on my account over a 5 year period which ended in the account being handed over to debt collection as I was unable to pay the arrears. the account was eventually frozen before the balance was cleared but I still maintain that the balance was mainly created through charges and not the original purchases.

 

 

I also have accounts with New Look, Simply Be and Marisota with similar issues.

 

 

Any help or advice anyone could give would be great appreciated.

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Well yes they are unlawful under FCA rules

But how old are they?

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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