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Lyns77 v Beneficial Credit Cards


lyns77
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Hi,

 

I sent the letter requesting refund to Benficial Finance (my Credit Card) and today I recieved a letter back stating.....

 

"Default charges are payable if customers do not make the required minimum paymen by the payment due date, if they exceed their credit limit, or if a payment to their credit card account is returned unpaid. The amount of these charges, and the circumstances in which they are applied, is set out clearly in HFC Bank's credit agreements. We believe the HFC Bank's charges to customers are fair and reasonable.

 

The OFT has recently published the findings from its enquiry into default charges on Credit cards. HFC Bank has carefully considered the OFT's publication and does not accept its findings. However, the OFT's investigation has led to a change in market practicies and HFC bank has therefore decided, for commercial reasons and in the interest of customers, to reduce its credit card default charges for the future. These do not affect charges that have already been applied. Accordingly, I regret that we are not prepared to make any refund of default charges or provide any compensation payments. I hope I have been able to clarify HFC bnak's position on credit card charges.

 

Thank you for taking the time .................... and on he goes.

 

 

What can I do now? I am really unsure, any help will be much appreciated.

 

Lyns77

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Hi Lyns77

 

The next part of the procedure is to write them an LBA (Letter Before Action). This will let them know that you do intend to follow your claim through to the end. Get your spreadsheet up to date and send the letter with a copy if you have'nt already done so. Give them 14 days to reply.

There is an LBA template letter in the Banks Templates Library.

By the way, pretty much the same response we all get.

 

Good luck

 

Uk..

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Hi Ukaviator,

 

Thank you for the reply. Going to send off LBA today will keep thread updated.

 

Progress so far......

 

10/11/06 1st request to Beneficial

16/11/06 Fob off reply from them

16/11/06 LBA sent

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Well done. Follow the tried and tested procedures here and you will get it back. It can be hassle to some, but don't let them keep the money which is rightfully yours.

 

Good luck

 

Uk. . .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 2 weeks later...

Letter this morning stating that I an a good customer of the bank and as a goodwill offered me £315.00 Of course I am going to send letter accepting offer and will chase the rest through court..... The battle continues. Due £ 627.35

 

Story So far:

 

10/11/06 1st request to Beneficial

16/11/06 Fob off reply from them

16/11/06 LBA sent

25/11/06 Goodwill offered

25/11/06 Rejection to settlement offer sent

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Posts now moved from welcome forum

This now your own thread.:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

Beneficial have said they will apply the credit to my account. Anyone had this but recieved a cheque? Just want to check just on the off chance lol.

 

Once credit applied I will most certainally donate to this wonderful site. Its been of so much help to me.

 

Thank you everyone involved. I will be sure to pass on the website to everyone I know.

 

Story So far:

 

10/11/06 1st request to Beneficial

16/11/06 Fob off reply from them

16/11/06 LBA sent

25/11/06 Goodwill offered

25/11/06 Rejection to settlement offer sent

30/11/06 Letter of FULL SETTLEMENT RECIEVED

01/12/06 Letter acepting FULL SETTLEMENT

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