Please Please Please can someone help? I recently requested statments going back to about 4 years saying they had 40 days and sent a £10 cheque. Thats acknowledge saying they were dealing with my situation. I rung last week to say how things are going and the lady said it had been sent to a department that day and they were looking into my case. I however just rung again as their 40 days are now up and was told that there isnt anything being done no notes and that they only hold statemnts upto june last year and it was my fault i didnt keep my statments!!!! So now what do I do they are trying to fob me off obviously. I dont know what letter to send now. Has anyone else had this problem? I would be greatful for your help. Sorry to gatecrash I cant seem to access a link to start a new thread. kind regards kerry Studio Cards WON!!!! Now battling Halifax and Barclays and Littlewoods

I managed to get admin no problems plus 8% on top which i didnt even request they did however refuse service charges but I have heard from people getting them back. Good luck mine was sorted within 3 weeks. kerry

I WON. Didnt get service charges but got £120.00 plus £10 interest alsi better then nothing. Good luck everyone kerry

Sent 2nd letter requesting service and admin last friday by special delivery, still no word as of yet will keep you posted. Kerry

Hi quick update. As you know I have recieved statements and today Ive requested for my admin and services charges. Watch this space.......

Hi Sam I wrote a letter asking them to reimurse my admin charges of £120 and £400 service charges, havent a clue what they will say. Sent off my letter requesting my charges back stupidily forgot to add my spread sheet but they must have it as they have just sent it to me, so prob messed everything up. Congrats on your win what did you claim for? Would be nice even if they cleared some of my balance off with it as its quite a high amount.

Hi everyone. I recived my a list today of charges of admin, adminstration etc after I rung yesterday to ask where my statements had got to. I runbg as I spoke to someone after making a payment who told me they were sent out friday and I still had'nt got them. I rung and said I ahd payed the £10 cheque which had been cashed. The lady said oh I didnt realise you want the whol 4 years dating back, (yeah whatever love) anyway she told me it was sent out now (what happened to the promised ones friday I dont know) and that she had revised my account, thanks but no thanks once my blance is nil I,m saying goodbye to them. Anyway I have added the amounts and the admincomes to £120 and the service is £475.46!!! Monnie do you think I can claim both of these back? I,m going to give it ago and see what happens they did include a letter saying they were within their rights to charge me £20 admin everytime i missed a payment, but will see. Well best of luck all I'll keep you posted. Kerry

Thankyou monnie can you tell me i can still claim even though i have a huge balance caused through mostly charges. Your a star thankyou:) kerry

Scales?? Just one more question please. I have a outstanding balance with studio of £1700. Am I right in claiming admin and service charges back? As the amount they offer probably wont match the balance how do I stop them from doing in the future or do I need a nil balance? Kind regards

Letter requesting charges to be lifted sent today along with amounts an dates. Fingers crossed feeling very nervous now:-| . Kez Claiming against Halifax £428 In process of Claiming against old Barclays account awaiting amount of charges to be confirmed. Claiming Against: Littlewood Flexi and Studio cards Awaiting fingers crossed, can hopefully pay off some of the debt they helped put me in.

Hi I,m wondering if you can help please. I am in the process of claiming back bank charges and now want to start of catalogue. The first is a company called Studio who have charged me excessive amounts of amin and service charges amounting to hundreds if not thousands of pound. I am about to request my first letter of charges. When I get these can you please help by telling me how I go about sending the 2nd letter? Is it done in the same way as a bank letter? Can I request both admin and service charge fees back? Also I am claiming against flexi about to send my 1st letter to them requesting charge amounts again huge amount of late payments etc. Wat am I intitled to claim back from these and again so I send the first letter as this My request I am writing to ask you to refund to me the charges which you have levied from my account over the last 6 years. I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary. Your responsibilities I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them. Your concealment of the true nature of your charges has prevented me from asserting my right until now. What I require I calculate that you have taken xxx which you have charged me in for the sum which you have taken. I enclose a schedule of the charges which I am claiming with this letter My targets to resolve this matter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment. If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

Hi can you help pelase? I,m currently paying off a flexi account taken years as charges keep amounted. Whats the 2nd letter I send to them once I recieve all staments are received. How do I word this? I also have a littlewoods debt with NDR can I claim back through them? Please help. Kind regards Also is this letter ok for 1st letter to be sent out? Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 DPA subject access request fee. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. Yours faithfully,

What are we looking to reclaim when we send 2nd letter if it admin and service charges, sorry newbie. Kerry

Is this letter suitable do you think? Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 DPA subject access request fee. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. Yours faithfully, I cant find where it says new thread it seems to have disapeared! Kerry

PLEASE PLEASE HELP!! I am a exsisting customer of these unfortunatly and have probably be charges hundreds over the years. Can you expalin if its admin and service charges I,m looking for. I,m new to this and am finding it hard to understand alot. Heres my first letter: Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 DPA subject access request fee. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. Yours faithfully, Is this ok? When i recieve it where do I go from there can anyone show me how they sent their 2nd letter? How good are these I have a balance of 1700!!!!! its costing a fortune in interest alone let alone everything else. PLEASE PLEASE hwlp. Kerry

Hi Thankyou again. Once I get this back (its studio catologue I,m claiming against) What do I do from there? Is it service and admin charges I can claim against them as I understand thats what alot of people do. When I calculate them which I will be horrifed at what action do I take form there? I,m sorry to be a pain your help is much appreviated and if I win I will defently send a donation to this site as its amazing. Thankyou juat find it hard understanding it all. Kerry

Help is this the chat for studio the catalogue? I have been charged so many late payment admine and service charges with these is there any way I can claim any money back? How do I go about it what is a CCA? Please help they have got me into so much debt. Kind regards

Hi sorry to sound really dumb, but what is a CCA? Cant rememebr signing a credit agreement? Do you think its worth going for that late payment charges as they are high, I have had 3 with all experience of late payment charges being charged alot for even being a day late? Can you help me word it is it like the bank one example [iNSERT TODAY’S DATE] [iNSERT YOUR HOME ADDRESS] [iNSERT THE NAME OF YOUR BANK] [iNSERT THE ADDRESS OF BANK] Re: Account number [iNSERT YOUR ACCOUNT NUMBER] Dear Sir/Madam, I request that [insert name) provides me with details of all default charges orders I have paid in the last six years. I understand that [iNSERT THE NAME OF catalogue] is obliged to provide this information under the Data Protection Act 1998. I look forward to hearing from you within 40 days. Yours faithfully [sIGN YOUR NAME] [TYPE YOUR NAME] Thankyou for all you kind help

Help I have been charge extremely high amounts of interest and late payment charges for flexi littlewoods and studio24 or studio54. I mean my total is 1700 and 53.00 is interest of a 83.00 payment! I get charge late payments of £25 and have suffered for years. where do I start what kind if this do I write? Please help Ive done the bank one but dont know how to word the catalogue one. kerry

Hi I,m in the first stage of retrieving information on a account with barlcays that has been closed for 3 years. I have no idea where to send requests to can anyone help please. Kind regards kerry

Thankyou so much for your reply your all so wonderful. Kerry

Hi thankyou all so much for your help, but could I be a pain and ask 1 more thing? Who do I send the barclays one to I ahve no idea what address is best. Kind regards Kerry

Thanks Rooster, is there any chance do you think if I phone them next week that they will send old bank statments out to me? I know I have to pay as halifax xharged me £5 immediatly. Kindregards kerry

Hi I,m wondering if you can help me. I am now a exsising halifax customer unfortunatly.. and have only been with them for 3 years. However I was with barclays and was wondering if I can claim back my charges even though my account is now closed? I do still have the account number and am still paying a loan back to them sadly. Your help would be much appreciated. Kind regards kerry

Thankyou again everyone. Is this ok to add to my letter that you advised me to send. Dear Sir/Madam, I enclose Also the date, Amount of Charges you have given me at the short amount of time I have been with you at Halifax. *Date: 8th June 2004 Amount debited from my account: £30.00 *Date 9th June 2004: Amount debited from my account: £90.00 *Date: 1st July 2004 Amount debited from my account: £30.00 *Date: 7th July 2004 Amount debited from my account: £30.00 *Date: 8th July 2004 Amount debited from my account: £30.00 *Date: 8th October 3004 Amount debited from my account: £35.00 *Date:29th October 2004 Amount debited from my account: £35.00 *Date:19th January 2005 Amount debited from my account: £35.00 *Date: 8th april 2005: Amount debited from my account: £35.00 *Date: 23rd March 2006 Amount debited from my account: £39.00 *Date: 18th August 2006 Amount debited from my account: £39.00 ****Total amount of charges to date= £428.00****