Studio/Express Gifts Claiming charges on a closed account?

[mummybear89]

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.

[dx100uk]

Well yes they are unlawful under FCA rules

But how old are they?