Hi dx
I intend to send this to them- Is this ok?
Many thanks for your help.
Dear Sir or Madam,
I refer to your letter dated ****, the content of which is noted.
I deny any alleged debt to you or your client .
The amount claimed is comprised of amongst others default penalties/charges levied on the account for alleged late, missed or over limit payments.
Should you proceed the claim to court I will used the enclosed as a counter claim plus wasted cost.
Furthermore, the court will be made aware that these charge types and the recoverability thereof have been judicially declared
to be susceptible to assessments of fairness under the Unfair Terms in Consumer Contracts Regulations 1999
The Office of Fair Trading v Abbey National PLC and others (2009).
I will contend at trial that enclosed charges are unfair in their entirety