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New here - some help appreciated!


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Hi everyone, I just chanced upon this site very recently and am excited at what I read on these forums.


I was in debt after finishing university but nothing I couldn't handle. I am now 100% debt free but worse off for wear in that I now have a low, low credit score (Equifax: 283).


Nothing that time and a bit of financial sense can't cure.


One of the major headaches during my period of financial difficulty was for a loan of amount £3,000 (over 3 years) for my car. Like I said, I fell on difficult times during the last year of university and thus couldn't keep up with payments in a regular fashion.


I regularly couldn't/ pay for 1, 2 or 3 months at a time but would then pay of the outstanding amount; this cycle continued for just over a year.


But although I was relatively upfront with my financial status, RFS Ltd (the company that I used) still would call me and send me letters, in which they charged me £25 each time!


I eventually settled the whole outstanding amount of ~£1,100.


Now, I have a set of statements and upon reading around this site decided to total up the amount of charges that RFS Ltd charged me.. the total comes up to ~£650.


£650 is over half of my outstanding amount.. no wonder I couldn't keep up with payments!


What I would like to know is how would my claim differ from in this case than for requesting the charges be refunded from a bank?


Does the OFT ruling apply to charges applied from companies such as RFS Ltd and is the procedure and regulations the same?


Any help would be appreciated.

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Yes you can, you say you have your statement you could send a prelim letter giving 14 days asking for it back and the template has a bit at the bottom about information on your credit file you would like removed as you believe these charges have resulted in this information being on there, be prepaired for a fight as it will take a while but stay on course and you will get there.

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Thank you for your reply; now I know that it can be done I will carry on with the claim.


Are there any successful RFS Ltd claimants here?


I also want to clarify; is it still possible to claim when I settled my account in full a year ago (October 2005)?


Is it too late?

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