Apart from other upfront known fees and charges, Storage Fees are another issue, as in what is reasonable? They can add significantly more to a debt than the fees laid down in the Regulations. Here is an example of what Newlyn wanted to charge a third party whilst they had his car subject to Interpleader from another thread "We anticipate that the goods will sell for £1600.00 which is considered the value amount, with the addition of £40.00 per day storage charges. " If a sealed Court Order is not received within 48 hours of this email, the vehicle will be entered into public auction to discharge the Warrant of Control" (http://www.consumeractiongroup.co.uk/forum/showthread.php?455139-I-ve-received-a-letter-from-Newlyn-they-want-to-sell-my-car!%281-Viewing%29-nbsp) If a vehicle is removed and held for 14 days so @ £40/day before auction then £560 in storage will be added to the debt along with the other fees, so a car going under the hammer for £2000 may not even clear an original debt of say £700 Storage is of itself a flexible concept, so is it an open field like one bailiff allegedly used, a secure compound, or under cover. For household chattels, then it must be undercover, but for a motor vehicle a compound would seem to be the usual. Thoughts ?

Hi, Just looking for some advice before I decide to contact/ pay Harlands. I took out a 11 month membership with Xercise 4 Less gym last year but didn't really use it so decided to cancel. My SnapDDA membership email states: The following payments have been taken by direct debit: I have made my 11 monthly payments and am therefore outside of contract. I cancelled my direct debit. I realise I should have contacted Xercise 4 Less to cancel the membership BEFORE cancelling the Direct Debit. I then received a letter stating: I have since also moved home and letters are currently going to my old address (my tenant kindly keeps them for me monthly). Please could anyone advise me on where I stand with all this and what the best course of action would be for me to take. Any advise and help would be greatly appreciated. I was thinking along the lines of this taken from Shabba180s thread: Im thinking of sending a copy via both email and normal mail to both Xercise 4 Less and Harlands: operations.manager.bolton email Xercise4Less Unit 1, Kirkstall Industrial Estate Kirkstall Road Burley Leeds LS4 2AZ c.service.icsharlandsgroup.co.uk email Harlands Services Ltd 2nd Floor, Rockwood House 9-17 Perrymount Road Haywards Heath West Sussex RH16 3TW I am in 2 minds whether to just pay the £34.99 and be done with all the hassle of sending further letters/ them adding on constant charges and taking possible legal action in future? How successful have people been in challeging their fees and has anyone been taken to court/ legal action taken against them? If I did want to just pay the £34.99 and be done with it what is the best way to ensure I get a proper cancellation/ no more demands from them? Many thanks in advance

My son had a student account with Halifax when he first went to university. Sadly, due to mental health problems, now diagnosed as bipolar disorder, he dropped out of university. Halifax agreed to freeze the account. In recent months his health has deteriorated again, and he is now claiming Employment and Support Allowance and living back at home with us. Halifax have recently decided to charge him £16 per month for the overdraft, but as this month's payment has put him into 'Unplanned Overdraft' he has been charged another £5 per day on top of this, so the debt is now mounting . I've put some funds into the account to try and alleviate the situation, but wondering what we can do next. He's not in any fit state today to speak to anyone at the bank.

Good morning, I originally joined xercise4less in January 14 after a phone call from a sales person. I was reluctant but they talked me round by offering two months for free & £9.99 a month there after. Even though the gym was 18 miles from my home I niaevely agreed to become a member. I didn't/haven't used the facilities once & in February I emailed the operations manager asking to cancel my membership but received no reply. I left it until April and sent another request to cancel via but again didn't get a response. In September I noticed they were still taking the amount so I cancelled by direct debit. Now I am receiving threatening letters saying I owe £69:98 with x2 £25 'admin' charges and the threat of court. I've rang xercise4less but been told the manager isn't available - I've emailed the operations manager again and haven't gotten a response (I see a pattern here) however when I messaged them publicly on Twitter they responded (funny that!) but in their DM they have simply said "Sorry however unfortunately you cannot cancel your membership via email unless you have this agreed by the operations manager - do you have this indicated in your emails" I replied stating that I hadn't received a reply and asked how they could resolve the matter but they have not responded. I'm not sure why an email won't suffice when the only contract I've received was via email and I haven't signed anything from them. In fact the only letters I have received were from Harlands threatening me and charging me x2 £25. Do you have any advice for me - I can't have a CCJ against me because of my employment. They have no responded saying that "unfortunately in this instance you will need to pay the cancellations charges - what is your contact number so a member of the membership team can contact you?" I feel this is completely unfair - howe should I respond.

Despite the new bailiff regulations having been in force for over 18 months, it is very worrying to see that a number of the 'Beat the Bailiff' Facebook pages continue to advise the public that if an enforcement agent is enforcing a judgment that has been transferred to the High Court, that the agent cannot charge VAT on bailiff fees. Such information is inaccurate and highly misleading. In April 2014 the Taking Control of Goods (Fees) Regulations 2014 were introduced and provide for statutory fees that can be charged by enforcement agents. In relation to county court judgments transferred to the High Court for enforcement, the statutory fee scale provides that the enforcement agent can charge the following fees: Compliance fee: £75 First enforcement stage: £190 (plus 7.5% on amount over £1,000). Second stage enforcement: £495 Sale or disposal fee: £525 plus 7.5% on sums over £1,000 The Taking Control of Goods (Fees) Regulations 2014 were laid before Parliament on 4th January 2014 and came into force on 6th April 2014. It was not until shortly after the regulation had been laid in Parliament that HMRC finally resolved the issue as to whether or not VAT should be added to bailiff fees. On 26th March 2014 (two weeks before the regulations came into effect) the Ministry of Justice released their official guidance on VAT. This followed official HMRC approval and agreement. HMRC amended their internet guide a short while after.

Hi Ive been looking on here for some time and I wondered if anyone could help me. In 2011 I had a ccj registered against me for unpaid nursery fees. I had post natal depression at the time and didnt receive the court papers due to probably not opening them. I received the judgement and explained to cci that I had left the nursery and did not owe the money, but may owed around a month. I paid some for a while and cancelled the payments as they kept taking it out on the wrong day. Anyway, I have been well for around 6 months now and have still not sorted the ccj out. I called the court then the hospital whom the nursery was with. They advised me they had some logs of the calls and the last date of attendance at nursery was 3 april, so I should have been charged 1.2 months not 4 months fees. He then phoned back and said they havent received a written notice and the full amount still stands. I definitely handed my notice in at the nursery but I have no proof. I explained I had to leave my job at the hospital due to pnd but he didnt seem to care. My question is, is it reasonable to charge 4 months fees when a child has not attended during this time. Is there anything I can do. I fear Ive opened a can of worms now rather than leaving it for another year Thank you

Hi all Can an Enforcement company add all there fee's on after the compliance stage (£235 and interest) before they try to enforce? I know it would be irrelevant if they take control of goods just curious if that was allowed. leakie

Whilst in the process of dealing with a PCN that had reached the enforcement stage, that had become a mess due to Maidstone Council authorising Marston and Phoenix. I quickly paid off another that i knew i needed to be paid directly using Maidstone councils online portal. Unbeknown to me this had been passed on to the EA's (Phoenix in this case), i paid on the 27th of Aug, i have a letter that was dated the 24th of Aug that i hadn't opened or was aware of due to several reasons. This was the first letter in the process telling me i owed £187, £112 of which was to the council and the rest to Phoenix. I foolishly disregarded this as i had paid and i assumed it would be updated an Phoenix were no longer necessary. I then received a 2nd letter stating that i should pay now or face the enforcement stage, i also ignored this for the same reason as the last letter. Eventually someone called Miss Taylor turned up with a letter which she handed to my Mother, it said that i now owed £422 and she would return to collect goods from my mothers house, i instantly called her and disputed this and told her i had paid and gave the date. She denied this and called her office, she then called me back and said the amount was now £310. After this i tried to get some advice from a different forum, both by asking and reading similar threads. The advice i was given was that as i had paid during the compliance stage i was liable for the £75 but no other fees, and that the initial warrant couldn't be used to take any goods as the original amount had been settled. I understand it looks as if I've tried to get away with dealing with the Bailiffs but i happily would've paid the extra £75 to avoid this. My question is, is this advice correct? Or am i liable for the amount of £310. I have searched and read the forum for similar threads to mine but just wanted to make sure i got advice that was up to date and explicitly relevant to my situation so apologies if I'm going over old ground. Thanks in advance for any help or advice.

Millions have signed-up for Santander’s 123 account, but thanks to a change in fees, it is going to hit the pocket hard. From January, fees are going to almost triple. There’s around 3 million in the UK using the current account, and pay in £2 every month (or £24 a year if you prefer) and, in return, you get cash back on bills and a 3% interest rate. However, as of next year, customers will be paying £60 every year, which is £5 per month. If you have a smaller balance, you will invariably not reap the benefits. So if you have the minimum £3,000 in the bank, you will earn £90 in interest, with £60 of that gone in fees. That’s equivalent to a 1% interest rate. http://www.bitterwallet.com/santander-123-fees-hit-60/87779

I had a letter from SPML regarding fees etc, they have agreed that their fees were too high and will be refunding the difference between what they should have been and what they actually charged, ok so far but didnt have many fees with them so no biggy there, this is a redress scheme agreed between them and the FCA having also had a mortgage with GE money where there were a significant amount of fees added, mainly after the breakdown of my marriage, i contacted them to ask for these back and was told that only 1 of them was being refunded!! Shocker eh, no matter tho, they dont know me very well, let battle commence, think its time for a SAR Will update as and when things happen

Hi everyone and thanks for this great forum! I'm very new to this so sorry if i get some things wrong. Here is a timeline of events: 03/08/14: I join the Newcastle branch of Excersise4less, being told it is a rolling contract of £9.99 and that I can cancel at anytime. The same day i head home to find an email telling me that my contract is in fact for 11 months. That's fine, I intent to go anyway. 25/08/15: 12 months of not going to the gym later and I start thinking that maybe this membership is a bit of wasted money. I cancel my Direct Debit and cancel my subscription in the gym. They note in the gym that a final payment of £9.99 will need to be taken on 2/9/15 as part of the 30 day notice period. As my direct debit was cancelled with the bank and was established with X4Less I figure they will just reinstate the DD for one final payment before closing the account. 02/09/15: No payment is taken, no attempt at any payment is made, bank records show nothing from Harland and X4Less. 15/09/15: I received a text from X4L Informing me as follows: "Dear Member. Your account has gone into default due to you cancelling your direct debit. To prevent further charges being added please call us on 01132038602." The number goes to Harlands debt collection and they inform me that I owe them the £9.99 (fair enough) and a £25 admin charge as a penalty. I told them I was not prepared to pay the admin fee, but they wouldn't budge. I don't really know where to go from here. Should I contact the gym direct as see if I can settle the outstanding £9.99 with them? Or should I dispute the matter with Harlands? Point 6 of my contract does state that they can charge a £25 admin fee for returned DDs or cheque. But the DD wasn't returned it simply was never claimed. It also just seems very harsh. Any help would be appreciated. I look forward to the responses.

God what a mess!! I will try and explain this as best I can but I have gone so far and don't know if I am doing this right. I have two accounts with Santander which makes matters worse coz I'm not sure if I should now separate them into two claims: 1 account I had a £1000 overdraft on it and I used to pay £20 per month for the privilege, I need to clarify this detail as they have removed the account so I cannot see the statements anymore but I think I forgot to pay the £20 one month. My wages were now with another bank but as long as I paid the £20 Santander were happy with the overdraft just sitting there. As I forgot this is how it escalated in bank charges from £45, £100, £150, £150 & £120 so now the amount owing is £1604.99 of which £565.00 is charges. I have a 123 account which went £9.95 overdrawn and then after a few unpaid charges of £5, £10 they started putting on big charges up to £380 pounds. I recently paid this account £81.23 which is what I felt I owed them and this now leaves the £380 in big bank charges. I phoned Santander in December and they did an income and expenditure with me over the phone and said I needed to speak with Stepchange as I stupidly got mixed up with Payday loans. I wrote in April and they were going to go through my Income & Expenditure but never heard back from them by phone or letter. I wrote a LBA and I have just received a final response saying sod off basically. Do I really have a leg to stand on or should I take it to the Financial Ombudsman or Small Claims Court and see if they are bluffing? I should mention that the £1604.99 amount has been passed to Robinson Way and they have registered a Default. All I wanted them to do was to remove the £565 in unfair bank charges so that I could set up a payment plan for the remaining amount and start repaying my overdraft!! The £380 they are threatening me with a Default at the moment so I expect any day this will appear on my credit file. I explained in my letter that whilst an account was in dispute they can't do that but they said that as far as they were concerned my accounts were not in dispute!!

Hello, my name is Adrian. Facts: I started a contract for broadband and landline with international free calls, last year September/October, in Wales, with EE. Due to the fact that I had switched jobs, I also had to move the house, therefore, I relocated myself in Crawley, West Sussex, on 20th of June this year. Prior to leaving the house and relocating, I searched online, and phoned EE to make sure they have coverage and that they can provide me with the same service. Everything was fine, they said that they can service it, same price, same package. On the same day, around 1730 hrs, I went on to the local store EE in the Council Mall, in Crawley to get an update on the moving of the service. When I got there, the lady there, said that they cannot cover my postcode with the same package, and that I should take the matters with the Customer Service. She called to the Customer Service, the Moving House department, at which point they again confirmed that the only thing they can provide me with is a lesser bandwidth for the broadband. I told them that I am not OK with it, and on the spot I argued the fact that over the phone, once I planned the moving house, they have stated one thing, so that I find out that that's not true anymore. Another thing is, they told me over the phone, that the landline number should work, and was not. The lady there sent me to close a contract with the competitors, Virgin Media. Since I didn't want to take a decision then, at that time, I postponed this for the next week-end. The next week-end, I went back to EE, and told them that I have signed the same day with Virgin Media, (only for broadband), and that I would like to have my account with them to be closed. The young lady there seemed helpful, and said that she will do that, and I don't need to worry about it. I have also stated that the landline number is not working, though it should have worked, since it appears to be active in their system. Since I had already my DirectDebit with them, and closed that the same day, after they made their final payment withdraw, I thought that everything will run smoothly and that I will receive an update on my email about the last payments, etc, etc, as it happened with my other accounts that I closed in Wales. No brainer, no muss, no fuss. My problem goes like this: I went on today to EE(to a different store, in Crawley), to find out why I have received emails from EE stating that the payments couldn't be made towards them, since: 1. that lady should've closed my account (I was naive back then, I know) 2. I have closed/cancelled my DirectDebit with them. 3. they couldn't provide me with the package I had Just today, I found out that EE, can actually provide those services within the area I live, and can give me the exact same package I had in Wales. I had ring Virgin Media to tell them that I want to finish my subscription with them, since, they cannot provide me with the same deal, at which point I was told that I have to pay them £143.69 for the remaining contract. Honestly, for some reason, I don't think the Customer Service, nor that lady from EE, treated me correctly, and I was mislead to think that things will be sorted out, etc. I was under a lot o stress back then, (and now when I come to think of it, a little bit naive) since I am a software programmer, and needed the broadband, and fast. I don't know how to deal with this, nor what legal actions to take against it. Should I pay, should I make any complaints? I wasn't presented in detail with my options, and I was just passed from one "dealer" to another, when my only need was the broadband. Can you please give me an advice on how to proceed furthermore with this? Thank you. Kind regards, Adrian.

Hi Everyone I'm currently trying to get all of my finances sorted out had a few catalogues which resulted in me building up late payment fees. Sorry if I'm really dim but looking at the debts on my credit file I see that I've been charged almost £300.00 in late payment fees alone. I'm not trying to dodge these but trying to understand should I be paying these or should it only be the default balance itself that was passed to debt collection agencies? Thanks Matt

Fees for some courts could double under plans revealed by the Ministry of Justice today – the day after the House of Commons adjourned for the summer recess. Under a consultation announced by justice minister Shailesh Vara , the maximum fee for money claims would rise from £10,000 to £20,000. Fees are currently payable on 5% of the value of a claim up to a maximum fee of £10,000. Personal injury and clinical negligence claims will be excluded from the higher cap and fee remissions for those ‘of limited means’ will still apply. Fees would be introduced to the property, tax and general regulatory chambers. Fees for general applications in civil proceedings will increase from £50 to £100 for an application by consent, and from £155 to £255 for a contested application. Fees for divorce proceedings will increase from £410 to £550. http://www.lawgazette.co.uk/law/moj-proposes-new-round-of-court-fee-rises/law/uk-litigants-taking-higher-share-of-commercial-court-cases/law/action-day-22-legal-aid-practitioners-rally-in-london/law/moj-proposes-new-round-of-court-fee-rises/5050176.article

Has anyone seen this: https://www.fca.org.uk/your-fca/documents/requirement-notices/preferred-mortgages-limited-vreq I have a Preferred account and have been in constant battle over fees. I received a letter today to say they are refunding overcharged fees from 2009 - 2012 and they have entered into an agreement with FCA to refund overcharged fees plus 8% interest. The fees in the scheme include: Arrears management fees, Litigation management fees and Repossession Management fees.

Morning Continuing to go through all my credit card/bank account files and checking the grand total of Late Payment Fees and other such charges. Finally got to Barclaycard today. I have had a Barclaycard credit card since 03. I have just collated all the Late Payment Fees B'Card added from 05 to date. Interestingly - from mid 2011 until start 2014 only - B'Card also added a charge titled "Interest on default Sum". Before and after these dates B'card never isolated and advised this charge. The total of charges from 05 = apx £650. The total of compound Interest @ 29.9% = apx £2100 The sum total = apx £2750 My current B'card balance is £5k. So should I now write a nice letter asking for them to reimburse these charges? And also asking them to stop adding them on to future statements ? Thanks for any response....

Hi I was going through my file of statements for a Store Card taken out in 03 and realise that there is a long list of Late Payment Fees added over the years. Creation has always been the company receiving my payments on behalf of the store. And has always been the company inundating me with calls when I miss a payment !! I do use the store card every now and again. I do pay monthly, sometimes clearing the balance in total, sometimes paying the minimum. sometimes a higher amount. There is currently £500 owing. I have added up all the Late Payment Fees. (Actually Creation changed the name to "Default Sum Fee - Arrears" in end 2008.) The fees have been £10, £12 & £22. From mid 2005 to date the sum total of charges is: apx £240. Compound Interest is apx £995 Total Charges + CI is apx £1235 So their statement says I owe £500. Yet I consider, given the above figures generated from a CI spreadsheet, that they owe £1235. So should I write to them a letter saying I want these charges + compound interest reimbursed to me??? In addition since Jan 2015 Creation has added "Interest on Purchases and Default Sums (if applicable). So 6 months of interest charges on their charges??!! This doesn't sound like fair practise....

Husband and I were sold a Platinum joint account in November 2008, having previously had a Classic account. From memory, we had been invited to see our bank manager for a review, and were sold the new account on the basis that the overdraft interest was lower and the package benefits were worth much more than they would cost us. At the time, we already had AA cover (as noted in the paperwork the bank manager signed at the review) and explained that, with two children, 3 and 8 months, we hadn't travelled abroad for over 4 years and had no plans to. We have never registered our mobile phones. Shortly after the account was upgraded, the package fee increased from £12 to £17 a month - I can't find any notification of this (but it's possible it's been lost over the years). My husband has used the AA cover, but bearing in mind we already had cover at a cost of £120, this one benefit equates to a cost of £204 per year - definitely not a saving! Do we have a case for mis-selling, given the benefits were of no use to us - or does the fact we used the AA negate any claim?

Hi in Sept 2010 I started a p/t degree course. I started the course and then found full time temp job. Jan 2011 found f/t permanent job that meant a lot of study and time away and I could not continue with the Uni course. The course fee was £1920 The Uni gave a grant of £985. I am now being chased by ACT credit for £1920. I haven't contacted them as yet so any suggestions would be helpful. I have the original documents setting out amounts given above.

Are early redemption fees are claimable ? Just we had a secured loan for 18,000 then needed to borrow more so got a 36,000 secured loan and was charged exit fees and it was the same company (ge) this was about 8 years ago . Both loans were through a broker and I have the paperwork .

Hi - here's hoping!!! I have a current account with Barclays bank (BB) which has an £2000+ overdraft which is always being used to the limit. It only gets reduced for a couple of days when we get paid. What is happening now with their new charges for every day the account is in overdraft is that my monthly fee has more or less doubled. I just used to pay interest on the OD which was about £40 now its around £80/90, which I feel is very unfair. I did contact them to ask about a refund (as you previous helped be get the charges back, saying that I felt it was unfair and did not cost them that much) but now they are saying they cannot. I know the only solution is to not have an OD but unfortunately that is not going to happen for a very very long time or if I win the lottery. Any advice on this. Kind regards Sharon

Hi team, looking for some advice I have beaten a very serious gambling addiction a few years ago for which I received professional help, but, left my Santander mortgage on the brink of repossession, over £6k in arrears for a number of years, have worked 7 days a week, 72 hr weeks on overtime to pay the arrears off, and as of last year it is now up to date I am scared to think of the charges they made on me for my arrears specially as it went to solicitors Aberdein Considine twice, and they charge£££ hundreds if not more. Now that I am up to date do I have any recourse to claim the charges back? I was never offered interest only etc. Any advice would help

Hi there. I've been living in my flat for over a year now, and we recently renewed our tenancy. The letting agent charged us a renewal fee of £132 (£33 more than the initial agency fees). When I asked what this money was for, they claimed it was for a credit check, among other checks (including checking with the bank that I had the income I stated.). I'm curious about their claims. For example, for the past few years, I've been hot on my credit report, and I'm well aware that they didn't carry out a credit check through any of the three main credit organisations. They also didn't check with my bank a second time, (they did the first, but I had to pay an additional £10 for this, so why I paid the fee for this, I don't know..) Are these fees unfair, given that they didn't actually cover what they stated, or is this just something that I have to accept?

Hi, I would really appreciate some advice regarding debt collection fees. I had an original debt with council tax for the amount of £107.80 which got passed on to Jabobs debt collectors. The amount they are now claiming is £417.15 which is made up of the original debt, a £75 compliance stage fee and £235 for attending the premises. Is this all legal? Like I say any advice would really be appreciated. Thank you in advance.