This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Received a reply from first letter - finally Saying they are involved with the OFT because they are a store card, offered £30 to settle, and recommend the Direct Debit, first time been offered this facility. They owe me £35 should I settle for £30 and set up the DD or fight it out for the full £35 plus interest by going to court? Perhaps a bit petty to fight for the £5 plus - might give them a ring and try and bend their arm.

They totally ignored my request for repayment - what a surprise Sending 2nd Letter Before Action 19 June - then will file the court claim in two weeks time. Perhaps they will ignore that too.

Halifax settled in full via my bank accounts and the usual letter saying it is too expensive to go to court and to look after my account. £750 plus interest and cost settled in full Started 22nd March - Settled 17th June Thanks for all your support and advice Got to push on with Argos claim now.

No response from my accepting a partial refund of charges, past my deadline date, no other option than to pursue the court action. Claim in place, waiting for their next move. Claim acknowledge, they are going to defend Still waiting for their settlement

Thanks for the advice I have written a letter saying I will only accept as partial payment and will still go ahead with court action if full amount not offered by 30th May.

Letter received in response to my LBA offering £275 as a full and final settlement, they owe me £750 plus interest. Plus the threatening to close my account if I do not manage it correctly - should I ask them what they mean exactly by this? Do I take the £275 as a partial payment only and continue to claim through the small claims court when the 14 days are up for the remainder £475? Is this a delaying tactic or to prove they tried to settle?

Talk about delaying tactics, Argos ignorned my first letter, responded to my second asking for £10 DPA then 40 days, I know it was only one payment of £20 but don't have the date, will have to send the £10 to get it moving again..... Can't believe with the holiday forgot to pay this month, got charged £17.50 and found the last statement when I had to pay charges - don't need the DPA then. Will send LBA asking for money back now

I sent the letter requesting a refund 2 weeks ago, no response whatsoever to this.. therefore posting LBA tomorrow giving them another 14 days until I claim. Want to get my £700 back soon....

Thank you for that Alan, I have now sent a Letter to request the charges of £70 to be refunded. Regards

I haven't heard anything from Argos since my letter, no communication at all except their next statement. I know there was only one late payment charge of £20 but not sure when this was. Will request for this as a refund - but do I need the exact date to proceed?

Received one letter saying we are looking in your complaint, followed by another saying we need the £10 for DPA, before I sent the £10, received another letter with the statements free of charge. This now poses a question, I have been charged around 5 times at £10 each for over credit limit plus once at £20.... Can I claim for charges below the £12? ie £10 each or only for over this amount?

The statements have arrived, via Royal Mail, in a plastic bag.... envelope completely ripped open in transit, everything seems intact - but the security issue is of concern. They have added their own calculations of the charges, which seem misleading, some are added (not on the statements) and some for last month are missing. Going to go through and put everything in the excel document to my calculations. Will send the letter asking for a refund tomorrow. Can't believe they actually arrived - charges in the region of £700. - noticed some missing asked from April 2000 - statements started from Jan 2001.... I have been through the library and a bit confused - I am going to send a letter requesting a refund, do I add the interest now, or when i go to court?

I received a letter in response to my 2nd reminder for the DPA and statements today, saying I hope that your questions were answered by the letter I received a couple of weeks back and if not telephone. Since my statements haven't arrived yet, I rang them, couldn't get through on the number given, so tried another number, got through to a really nice guy who says my statements were sent to him and he has posted them to me, should be with me by the weekend. Fingers crossed...he said there were over 260 pages of transactions.......

Thanks for that advice, have had a good look at the site, I am getting really frustrated now, it is over 28 days since I requested by statements, they have offered a measeley £157, not sure how much I have paid out over the 6 years. Must be around the £1,000 mark plus, I am sure they know the exact figure!!! If I don't get them (statements) by my deadline, will have to plan the next stage Hoping that all this pressure from the OFT, us, the press, media will overturn the charges in the future. Waiting......................

Received a letter in response to my letter today 18th April, usual letter sorry you are not happy...........blah, blah, Still wait for list of charges...............

Now, 28 days since first letter requesting list of charges - sent a 2nd reminder to encourage them to get their act together If I don't receive them by my 40 days - who do I inform?

I think there is only one late payment charge of £20, since I have asked for DPA should I wait for the 40 days before making the claim?

Decided to give them a ring, they denied having the letter, asked for list of charges, girl said she could only look at last 6mnths. Told her I wanted the last 18th months, and she said she would request this information. Followed up with a letter of confirmation of my requests - hope this does the trick. Kim

Excellent news Bookworm Can't wait to get my statements - Can't believe they are threatening to close the account. Buy yourself an Easter Bunny

Great news, I hope my outcome is the same as yours, Are you going to open a new account? Kim

Thank you for your advice I am still waiting for the DPA list of bank charges over the 6 years, so will ignore their letter offering £157 and threatening comments for now. Soon as I have the full amount will request a refund in full - Certainly amounted over £120 this month alone and they are not helpful as we all know......... Waiting for the big envelope of statements, charges etc....

Thanks for clarifying that point. I think in my instance I will wait for the full list Kim