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Debit Card Charges - Legal peeps help

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I am more than positive that this is wrong if not illegal, thoughts please - Mods please dont move, as it also is relevant to DCA's


I can confirm that we charge 3% on all Council Tax debts, and 3.5% on Road Traffic offences. I assmume the debtor is quoting 3.5% from the reverse of the arrangement acceptance letter dated 3rd March. This letter states 3.5 because that is the maximum we charge as a Company, however on all XXXX files it is 3% and that is what we charged the debtor on 23rd March when payment was made. I have made an ammendement today to our "arrangement acceptance" letters so it now specifies 3% on Council Tax debts.


The Office of Fair Trading cannot comment on bank charges (yeah right!!) we have to pay bank charges. We have alot of chargebacks which increase the level of admin costs, we beleive this to be fair and know for a fact that our commision charges on the low side for the bailiff industry. The Commision is not solely based on Bank Charges, we also take into consideration the administration cost for the call centre to deal with the call & process the payment, also the technology we use to process the payment. THe administration costs are greater to process a Card Payment, as apposed to our cashiers banking a cheque or postal order.

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Hi Saffronflowers ,


Having been a call centre team manager (not DCA *shudders*) which included processing card payments, I can confirm that's it's much quicker, much more cost effetive etc. to process a debit card payment. (Credit cards are more exspensive to process thus do incurr a charge to the customer).:)


Every business gets charged by thier own bank to process any payment whether it's card or cheque (not sure how they do the POs as I've never dealt with them). (Wonder if an employee nips to the PO once a week, cashes them all and then banks the cash :confused:).


Most reputable centre's gladly accept payment in this way (and don't charge for the service) as they know it's better for them and thier customers ;)


Hope this helps, best wishes and good luck,



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