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hulsevictoria V Clysdale


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This is not a mortgage company, I had a loan for £4000 and I have calculated they owe me £232.50 in charges. Sorry I know it comes under other institutions, but I don't know where.

 

However I am sending off the preliminary approach for patment letter and I don't know what the "I enclose a schedule of the charges which I am claiming with this letter" paragraph relates to?

Can someone clarify what I need to include here?

Subject Access Request for Kensington sent:23/11/06

S.A.R - (Subject Access Request) for Clysdale sent on 24/01/07 which they lost, sent again on 04/04/07

 

AA Payed in full £85:00 15/07/06 woo hoo!!

King's Lyn Gym, £550 settled. Woo hoo my first win!

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Enclose the list of charges:grin:. Did you use the excel spreadsheet to work out the charges? If so put your account/loan number on the top with your name and address. Attach it to your prelim lettter and voila;)

 

"I enclose a schedule of the charges which I am claiming with this letter"

 

You can find the template spreadsheets here

 

 

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Thank you. I thought that's what it was, but I just wanted to be sure.

Subject Access Request for Kensington sent:23/11/06

S.A.R - (Subject Access Request) for Clysdale sent on 24/01/07 which they lost, sent again on 04/04/07

 

AA Payed in full £85:00 15/07/06 woo hoo!!

King's Lyn Gym, £550 settled. Woo hoo my first win!

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  • 3 months later...

Ok they have made me an offer of £112.50. Half of what they owe me.

In this unsure climate does anyone have any advice on whather I should accept this offer?

 

I have payed them off but they took over £700 in an exit fee. What are my chances of getting this back?

Shall I bother? or just write it off?

 

I'm not going to blame anyone for giving me bad advice. I just want another oppinion on wether to accept it?

 

Zoot any advice?

Subject Access Request for Kensington sent:23/11/06

S.A.R - (Subject Access Request) for Clysdale sent on 24/01/07 which they lost, sent again on 04/04/07

 

AA Payed in full £85:00 15/07/06 woo hoo!!

King's Lyn Gym, £550 settled. Woo hoo my first win!

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  • 2 weeks later...

Hello. I'm coming to the deadline of when I either need to accept this or decline it. Any advice?

Subject Access Request for Kensington sent:23/11/06

S.A.R - (Subject Access Request) for Clysdale sent on 24/01/07 which they lost, sent again on 04/04/07

 

AA Payed in full £85:00 15/07/06 woo hoo!!

King's Lyn Gym, £550 settled. Woo hoo my first win!

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  • 4 weeks later...

OK Well I'm going to tell them the offer is not good enough then, and off to court I go.

Subject Access Request for Kensington sent:23/11/06

S.A.R - (Subject Access Request) for Clysdale sent on 24/01/07 which they lost, sent again on 04/04/07

 

AA Payed in full £85:00 15/07/06 woo hoo!!

King's Lyn Gym, £550 settled. Woo hoo my first win!

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  • 5 weeks later...

They have charged me a £700 exit fee. Can i claim this back? Or should I have done it the same time I claimed back the charges? Is it too late now?

Subject Access Request for Kensington sent:23/11/06

S.A.R - (Subject Access Request) for Clysdale sent on 24/01/07 which they lost, sent again on 04/04/07

 

AA Payed in full £85:00 15/07/06 woo hoo!!

King's Lyn Gym, £550 settled. Woo hoo my first win!

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£700 sounds more like an ERC than an exit fee are you sure it is the amin exit fee? These tend to be between £150-300.

 

If it is the exit fee you can claim the difference between what they said they would charge and what they actually charge. If it is an ERC (early redemption charge) then you can not claim it.

 

best wishes

 

Zoot :)

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