Style Store Card....anyone???

[jellybabe]

can someone just clarify one thing for me please? I found a couple of years statement from when i initially sent my S.A.R. to style a couple years ago. I am starting to prepare my spreadsheet with those statements.

Question is:

Let's say i had a charge in june and then not another until october or so (just an example). Do i still put the interest they charged me onto my spreadsheet from those months where i didn't have a charge?

Or do i just include the interest and charges in my spreadsheet from the months where they actually put a charge on?

I hope anyone understands what i'm trying to say.

[jellybabe]

HELP peeps please!

Just had a letter from Style, and it is a deafault notice???????

I know i am 2 payments behind, and i was just in the process of clearing them. But surely sending me a default notice without prior warning isn't right, is it????

[jellybabe]

not sure if i done this right

[jellybabe]

[jellybabe]

Please, any advice on what to do next would be great. I'm in a massive panic mode!!!

[bathgatebuyer]

Two months arrears is normally the point at which you will be sent a letter like this. Halifax and RBoS dis similar to me a few years back but I managed to avoid further action by paying the same due within the mentioned timescale.

 

Can you make payment of the amount shown before the date in question?

 

If you can, you'll note that the letter states that they will take no further action before then. I've had letters like this before and they have terrified me, but luckily as I was able to make a payment of the sum due within the relevant timescale it has prevented any default being registered with credit reference agencies. The only info that went to CRAs was the 2 late months arrears.

[jellybabe]

Thanks bathgatebuyer,

Payment has been made already yesterday for the arrears.

I never had a letter like this before and that's why i went into full panic mode. I thought it was a proper default that is going to be registered on my credit file.

Thanks again for clearing that up for me. I was quite shocked when i received the letter this morning.

[bathgatebuyer]

I know the feeling! I got a few of these delivered when I was out of work and managed to beg and borrow cash from other people to make good the arrears within the timescale on the Notice.

 

It would be worth sending them a recorded delivery letter confirming that payment has been made (confirm the date and method payment) and state that you deem that the requirements outlined in the Notice have been met and that no information will be passed to CRAs as a result.

 

From memory, I did something similar and gave me something to brandish at them in the event that they made an error and did send something to CRAs about a default. (I'm overly cautious with any bank and take a belt and braces approach with everything they do now)

[jellybabe]

Thank you again,

will prepare a letter a letter tomorrow and post it here. Maybe you would be kind enough to have a quick look at it before i send it?

It wouldn't surprise me if they'd try and use all this to there advantage.

At least i feel a little bit better now, thanks to you.

And i will hit them when they comply with my S.A.R. I know i've had quite a few charges on that card.

[jellybabe]

Hi there,

i had a bit of spare time this afternoon and drafted the letter already.

Dear Sir/Madam,

I can confirm that a payment of £74.07 has been made on the 20th June 2008 via Online Banking. You should receive payment within the next 5 working days.

I therefore deem that the requirements outlined in the Default Notice have been met.

I would appreciate if you would acknowledge receipt of the funds and confirm to me that no information will be passed to CRAs as a result.

 

 

Yours faithfully,

Would this be sufficient? I'm not too good in writing letters like that in English. I am more fluent in German when it comes to ofiicial letters.

[jellybabe]

Hello again,

can anyone please confirm that the above letter is ok send as it is?

Much appreciated.

[vixsta14]

Yeah that sounds fine with me. I had exactly the same but the default never appeared on my credit file. I really do think its just a scare tactic!

[jellybabe]

Hi vixsta14, thank for your reply.

Will send the letter of then.

I really do think its just a scare tactic!

I have to admit, it worked with me

[jellybabe]

Ok then, letter is in the post...obviously been sent recorded

 

Any advice on my question from post #26 ?

[jellybabe]

Mmh, 10 days to go until Style's time runs out to supply me with my statements.

Started my spreadie already. Had a couple years worth of statements, and also the latest ones.

I have about 13 months worth still missing, and am waiting for style to send them to me now.

I wonder if it'll be worth a shot to just send them a reminder letter?

[jellybabe]

Just sent a letter off to remind them that they still have to comply with my S.A.R.

Let's see if it gets them moving.

[jellybabe]

No word of Style yet. They have until the 1st August to send me my statements.

What do i need to do if they don't comply with my S.A.R.?

[vixsta14]

Oh my word thats Friday!! I really hope you get them back... Im so lazy I haven't even sent my SAR off yet. I have a funny feeling that when I do they are going to claim to have no information.

I'm really not sure what you would need to do next. I'll see if I can find out!

[vixsta14]

Ok I'm back and slightly wiser that I was 5 mins ago!

 

If they haven't arrived by Friday you need to report them to the information commissioner for a breach of rules and they can assess your case. Im not sure if I can add a link but if you google ICO im sure the website will come up... but hopefully it won't get to that

I shall keep my fingers crossed for you.

[jellybabe]

Thanks for all that vixsta14,

much appreciated.

Don't knwo why they're pulling it like that. Good job i send everything recorded. And luckily i've got the delivery proof aswell.

Thanks for your help

[jellybabe]

Right, i just found that in the Templates Library:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

If i haven't got my Statements by Sat i will send Letter 3 off on Monday morning.

[vixsta14]

Ooh I hope you get them tomorrow otherwise they won't know whats hit them!

[jellybabe]

You talking about me or the letter?

[jellybabe]

Ok, post just been and guess what.......NO statements!

I was very generous with my deadline and they stillhaven't sent me my stuff, nor have they acknowledged anything. I know the letter with the postal order has been delivered (i have proof off Royal Mail website). What i haven't thought of yet is to check if they cashed the Postal Order??Is that a problem??I thought they got the letter so they have received the Postal Order. And it's there problem to cash it or not.Am off to the post office in a bit to find out more.

I am getting sooooooo p***** off with them.

I have most my statements but 13 months worths are missing. I don't want to start until i got them all, otherwise i have to start another one once this is settled to get the rest. And i'd rather do it all in one go.

[jellybabe]

right, i just added a few bits to the template letter and wondered if that is ok?

02.08.2008

 

LETTER BEFORE ACTION

Section 7 – Data Protection Act 1998

 

Dear Sir/Madam

 

Account: xxxxxxxxxxxxx

 

You have failed to comply with my Data Protection Act Subject Access Request dated 20.06.2008.

It was received by you on 20.06.2008, which i have proof for off Royal Mail, Item nr. DHxxxxxxxxxGB.

Postal Order nr. xxxxxxxxxxxxxxxxx.

 

If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.