Littlewoods - is it possible?

[jonni2bad]

If their charges are for the same things you have seen in relation to banks, then yes.

 

Late payment fees etc - just follow the proceedures shown here and you'll be fine.

[jonni2bad]

Then perhaps you need to read the whole statement.

 

At no point have they mentioned any figure that IS acceptable. They have only said that the figure will be for a court to decide.

[jonni2bad]

From their statement....

 

"Where credit card default charges are set at more than £12, the OFT will presume that they are unfair, and is likely to challenge the charge unless there are limited, exceptional business factors in play. A default charge is not fair simply because it is below £12. Setting a threshold for intervention is a pragmatic pro-consumer action that is designed to give the industry the opportunity to change its practice without litigation. It is supported by detailed guidance to the industry as to how to reduce the likelihood of public enforcement..see note 2"

Note 2 - This reflects the OFT's duty to target its resources on serious consumer detriment as a priority over cases involving less harm to consumers.

"Only a court can finally decide whether a charge is unfair or not. The OFT has today set out a statement of its view of the law. This has not generally been accepted by most of the eight credit card issuers."

 

However, we are now hijacking the original thread with separate issues. Perhaps any further points on the OFT statement could be made under separate thread please.

[jonni2bad]

Best of luck with it.

[jonni2bad]

Just inform the court at the AQ stage that your claim is now for £20 less - cash the cheque!

[jonni2bad]

Allocation Questionnaire - should they defend, you'll be sent this form.

 

You can now, if you wish, just write a brief letter to the District Judge to let the court know they have refunded £20 of the claim, but you are still continuing with the claim for the remainder.

[jonni2bad]

Yes, it should do. Be aware though that a judge is likely to accept a late defence in the interest of 'justice'.