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Hi there, to cut a long story short i am on a debt management plan and becuase some companys wont change payment dates etc i am getting screwed for late charges and on one store card the charges have doubled the amount i now owe. I have written to Creation Financial Services today (Ann Summers card :razz: ) asking them again to change my payment date becuz of my plan and i cant afford to keep paying charges but i would also like to claim them back. Where do i start? I have statements so know what charges they are, its not much £60 but every little helps.

 

Thanks in advance

 

Em

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Hi Fieryleo

 

I don't know why they can't change the payment date. Sounds like someone getting awkward their end. Did you request this in writing?

 

Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later. Our aim is to make you aware of your rights as a consumer, enabling you to fight back against unlawful bank, credit and store card charges. In the website you will find information on how you could get your money back

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. You can claim back your charges, and a few are trying for the payback of Early Redemption Charges on loans and Mortgages.

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time.

 

Take your time and have a good read around this site. Then come and join us in our forum. Here we can guide you every step of the way. Please remember, we are here to help you help your self.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help.

If you any questions please do come to the forum and we will only be too happy to help you!

Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed.

 

All the info to get you started is here:

http://www.consumeractiongroup.co.uk...se-read-these/

There are more links below to assist you get around the site.

 

Good luck

Ukaviator

 


Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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Thanks for your help, I have written to them today qouting times when i have spoken to call centre staffe etc.

 

They said they wont change the date becuase i am in arrears but i argued that i will always be in arrears becuase the amount i pay is less due to the DMP and becuase its paid on the 25th of the month it will be late- they want payment on the 23rd. All other creditors have been extremely helpful with payment dates so now its payback time, i want the charges refunded.

 

I have read the information as i am also got a case with LLoyds Tsb but wasnt sure if it was different with storecards. Also i know this sounds thick but when writing the £10 cheque for date request who do you make it out to or leave it blank

 

Thanks Again Em

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Hi, feeling abit stressed today after more conversations with Creation and lloyds tsb regarding moving payment dates and fees and it effecting my DMP.

 

Anyway I have got a list of charges from my statements of £80- the original amount i had on the card was £58 but it has now doubled becuase of that. Can anyone help me with the interest side of things please, feeling abit confused as some people are charging on the APR the card companys charge? I have read through the steps but just feel clueless!

 

Hope you can help me

 

Em:-?

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Hi EM

 

On store cards and credit cards, some are claiming back Contractual Compounded Interest. On your statements you should see each month something like :

 

1.899% just below your list of transactions. If you times this figure by 12

It will give you the APR.

 

So 1.899 % X 12 = 22.78% APR. The annual rate they charge you.

 

You can claim this back on every charge. The spreadsheets on this site will add this up for you if you input the data correctly.

 

Uk..


Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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Thankyou so much. If i get these charges back for all my accounts if will pay one of my creditors off on my DMP so it all helps.

 

There are some great posts on here, ive spent all morning reading instead of doing work oops

 

Thanks Again

x

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Right finally got a list of transactions back from my new look card. Its only £20 but they said they will not refund it back to me. Im still going to chase for it cuz at the end of the day £20 is £20 and to me thats a weeks worth of petrol!

 

So next step..LBA?

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