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Infact I have just checked my calendar and it is forty days today since they recieved my request What do I do now?

well i'm still waitng for my statements but the 40 days are nearly up so shouldn't be much longer

After a bit off advice I decided to make a claim against Endeavour. I sent the prem letter to Endeavour and had this reply Thank you for your letter dated 28th Sept 2006, which I read with interest The loan agreement you signed clearly states the terms for settling your agreement early. You refer to ‘unfair terms in consumer contract regulations’ which clearly state a term is only unfair if ‘contrary to requirement of good faith it causes a significant imbalance in the parties’ rights and obligations under the contract, to detriment of the consumers’ and in addition a standard term must be expressed in plain and intelligible language This condition does not breach this test. Your contract was regulated under the consumer credit act 1974. The terms of your settlement would have been calculated according to the calculation in the act known as rule of 78. The interest you have been charged complies with the rule of 78, which is clearly defined under statute and further indicates no ‘unfair term’ exists You mention fees of £272 that have been levied to your account. These fees are clearly identified on our tariff card and provided on completion of your loan. The OFT has clearly identified late payment fees on credit cards as unfair and set a maximum of £12 but are still investigating other charges levied by banks and financial institutions. Obviously the facility provided to you doesn’t fall under the definition and furthermore the OFT comment was not retrospective. I respectfully suggest you take your own independent legal opinion before progressing further with your claim. It is important that your issues are fully addressed. Therefore, if you have any further queries relating to this matter, or remain dissatisfied, please do not hesitate to contact m and I will arrange for your complaint to be escalated. Alternatively, you may follow the steps detailed on our internal complaint procedure. Signed by a Terry Grainger. So I then sent the LBA letter 14 days later and received back 2 days later a copy of the first letter asking me to refer to the first letter. This has frightened me a little as there is no mention of defending in court or anything like that, Its the first part that I am trying to claim that’s worrying me the most, on the statements it said it was a penalty charge for paying up early and I was told to claim this back now I’m not so sure Any help would be great as I not sure whether to carry on with the claim or not

any news yet Tazz? I'm sending LBA off today and I am quite nevous about it

hi i'm also chasing Fashion World for my Mum and I am still waiting for statements but today she has had a letter from them saying they know about the OFT guidelines and have refunded her the £100 it cost to set up a payment plan plus £16.50 in charges but will not refund anymore and thats after only sending them a SAR, still waiting for list of charges and the written agreement though I think they be getting worried.

I am trying to get hold of my mum’s statements from Fashion World I have sent the DPA letter and have sent a letter putting the account into dissupt with Reliable and asking for them to send it back. mum has had a reply from JD Williams thanking her for her request but included a form for her to fill out with all her details on which also needs a witness the letter also says ' we acknowledge receipt of your cheque for £10 which is the statutory fee payable for this service' then at the end of the form it says ' if the imformation you request if of a confidentional nature we may contact you and ask you to provide further information to verify your identity. If we are not satisfied that you are who you say you are, we reserve the right to refuse to grant your request'. It then says 'I confirm that I have read and understood the terms of the subject access form' and asks her to sign and date. Do I fill this in or not? Also she has had a letter from Reliable dated the next day thanking her for the recent payment on the account; she hasn't made any payment only the £10 cheque for the DPA payment. Any help on this would be great as I’m not sure how to handle it next

well no statements yet do they always take this long? I am also making a claim against Endeavour and have sent of the first letter and have had this reply Thank you for your letter dated 28th Sept 2006, which I read with interest The loan agreement you signed clearly states the terms for settling your agreement early. You refer to ‘unfair terms in consumer contract regulations’ which clearly state a term is only unfair if ‘contrary to requirement of good faith it causes a significant imbalance in the parties’ rights and obligations under the contract, to detriment of the consumers’ and in addition a standard term must be expressed in plain and intelligible language This condition does not breach this test. Your contract was regulated under the consumer credit act 1974. The terms of your settlement would have been calculated according to the calculation in the act known as rule of 78. The interest you have been charged complies with the rule of 78, which is clearly defined under statute and further indicates no ‘unfair term’ exists You mention fees of £272 that have been levied to your account. These fees are clearly identified on our tariff card and provided on completion of your loan. The OFT has clearly identified late payment fees on credit cards as unfair and set a maximum of £12 but are still investigating other charges levied by banks and financial institutions. Obviously the facility provided to you doesn’t fall under the definition and furthermore the OFT comment was not retrospective. I respectfully suggest you take your own independent legal opinion before progressing further with your claim. It is important that your issues are fully addressed. Therefore, if you have any further queries relating to this matter, or remain dissatisfied, please do not hesitate to contact m and I will arrange for your complaint to be escalated. Alternatively, you may follow the steps detailed on our internal complaint procedure. Signed by a Terry Grainger. What next are they right in the first part? Do I send of the 2nd letter I’m frightened they might have a point?

Hi it’s me again just received this letter back this morning Thank you for your letter dated 28th Sept 2006, which I read with interest The loan agreement you signed clearly states the terms for settling your agreement early. You refer to ‘unfair terms in consumer contract regulations’ which clearly state a term is only unfair if ‘contrary to requirement of good faith it causes a significant imbalance in the parties’ rights and obligations under the contract, to detriment of the consumers’ and in addition a standard term must be expressed in plain and intelligible language This condition does not breach this test. Your contract was regulated under the consumer credit act 1974. The terms of your settlement would have been calculated according to the calculation in the act known as rule of 78. The interest you have been charged complies with the rule of 78, which is clearly defined under statute and further indicates no ‘unfair term’ exists You mention fees of £272 that have been levied to your account. These fees are clearly identified on our tariff card and provided on completion of your loan. The OFT has clearly identified late payment fees on credit cards as unfair and set a maximum of £12 but are still investigating other charges levied by banks and financial institutions. Obviously the facility provided to you doesn’t fall under the definition and furthermore the OFT comment was not retrospective. I respectfully suggest you take your own independent legal opinion before progressing further with your claim. It is important that your issues are fully addressed. Therefore, if you have any further queries relating to this matter, or remain dissatisfied, please do not hesitate to contact m and I will arrange for your complaint to be escalated. Alternatively, you may follow the steps detailed on our internal complaint procedure. Signed by a Terry Grainger. What next are they right in the first part? Do I send of the 2nd letter I’m frightened they might have a point?

thanks Dayglo

Hi it’s me again with another question hope you don't mind, I have received my statements only took 3 days I’m quite impressed. My question is what can I claim for as I’m not to sure we had a lot of problems with this loan and ended up in court with a suspended possession order on it so there are a lot of legal fees involved am I right in thinking I can't claim these back? I have done a break down of all the fees will someone have a look and let me know which ones I can claim for please so I don't mess it up Settlement penalty int - £165.40 Settlement admin fee - £120.00 Legal costs - £1005.01 Account Service fee- £92.00 (applied after an un-paid d/d) Telephone call fee - £126.00 = £18 per call Letter Fee- £ 54.00 = £18 per letter Thanks Tracey

With looking through the posts I can see its not going to be quick my o/h still thinks I'm daft but never mind if I do win I might be able to go to the January sales for the first time in years, without him of course. We had a loan with Endeavour which was settled 2 years ago and I thought I would give them a try but had no statments so I gave them a ring yesterday and asked them for a statment, the lady on the phone was so nice and said yes no problem and would send them out straight away. We also had a car from Yes c/c and I've been thinking about making a claim against them but they are closed now so don't know who to get in touch with. Tracey

thanks for that, just rang them and they are sending me out all the details of transactions on the account. Tracey

hi there hope you don't mind me asking I had a loan with endeavor 18 months back which is now settled by looking at your post it seems I can claim all the charges back which were quite a lot is this true? I have started a claim with A/L but didn't no I could claim for other companys aswell. Tracey

Thanks folks for all your help I've posted the letter asking for my statements so will wait and see what happens Will keep you posted Tracey

Hi I have posted this else where but had no response so thought i'd try here I want to claim back my bank charges which resulted in the bank issuing me with a ccj, what I need to know before posting my first letter is- the ccj is not settled I pay it at 30.00 per month by d/d can I still claim if so do I cancel the d/d or carry on paying? also if I do stop paying what do I send to the dc who is collecting the money for the bank and do I have to imform the court ( I can't remember the case no.) I have to go to work soon and really wanted to post the letter before leaving so if anyone can help it would be great. Thanks Tracey

Thanks for that, just one more thing- because of the ccj I have a d/d set up and pay £30.00 per month of it do I stop paying for this or keep it going?

hi all. which address do I send my letter to is it the bootle one i'm getting a bit confused I looked at the contact post but there seems to be 2 address for A&L? Tracey

Thanks Heidi Right thats it i'm going for it and if I do win I will I will have great pleasure in telling him I told you so. Traceyx

Hi all, I first looked at this site at the beginning of the year and it has been playing on my mind since then, my husband thinks its all a waste of time because we haven't got any hope of getting any money back but i'm not so sure. The problem is a few years ago we went overdrawn with A&L mostly due to charges on top of charges and in the end owed them about £800 so we changed bank accounts as they were taking all my o/h wages as soon as they were going in which was leaving us skint an unable to pay other bills. A&L then passed the account on to debt collectors who issued us with a ccj we didn't dispute this as we didn't know we could and are paying them back at £30 a month.I would like to see if we have a claim for unfair bank charges but am unsure as they have the ccj, does anyone have any idea about this? we still owe about £400 at it bugs me everytime the d/d goes out incase we do have a case. Tracey

Thanks for the replies I’m not sure how long ago the judgement was but I’m sure its not more than 2 years properly about 18 month. I can't find any paper work for it at all for the bank account or the judgement I’m not even sure why I got it apart from me being overdrawn and changing bank accounts because the bank was taking all the wages out as soon as it was paid in. I think I got a letter from the bank saying I owed the money it was then passed to Brian Carter solicitors who applied for the judgement. I can remember thinking how unfair it was to get a ccj against my name for money that i'd not even had that they could just stick all these charges on my account then make me pay them by getting the ccj, but at the time I had other problems and couldn't cope with it all and didn't think anyone would help anyway.

Ok after looking at this site I am in shock that I have a ccj against me for bank charges from alliance and Leicester for around £800 which happened due to going overdrawn then being charged for it and also d/d’s being returned they then gave me an overdraught to sort this out which didn’t help and I ended up with even more charges. At the time I was in a mess and was ordered to pay the judgment at £30 a month. Now I’m not sure if I should be paying this could someone answer me a few question in plain English for me to see if I have a case? Can I put a claim in for a refund on the charges as I have a ccj for them? I don’t know my account no. Or even the amounts and when they where added? If I rang the bank would they just tell me the account has been closed and they can’t give me any details? I have already paid some of the judgement would that mean I accepted the charges? Also it is a couple of years since this happened. Thanks in advance