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Showing results for tags 'fees'.
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Hi, I cancelled my DD with Harland's earlier this year after speaking to a member of staff at the gym who told me this was an adequate way to cancel since I was pregnant and could no longer fully use my membership. This month I received an email from Harland's asking me to pay £100+ in fees due to cancelling my direct debit. I rang as instructed and was asked to provide proof of pregnancy and that by doing so the amount would be cleared and the account cancelled. After sending proof I received an email saying I was required to pay £52+ in order for them to cancel my account as I hadn't let them know before payment was due. I refuse to pay anything since two members of their staff instructed me, I followed staff guidance and am now required to pay more which I wasn't told and frankly can't afford. This is causing me a lot of stress and with pregnancy this is not a good situation to be in. Any advice on what to do would be greatly appreciated.
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I had an outstanding council tax debt of £79.20 for last years council tax 2017. Today out the blue I got a visit from 2 sheriff officers and now my council tax has doubled to £158.30. They have doubled my debt! I am on ESA. How the hell is this legal, The council tax year only started in April. This seems completely out of order and so hurried for such a small debt, They never even gave me a chance to pay, Now they are saying the fees can't be removed cause they sent officers out. This has enraged me, What can i do? Thanks -
I had an interest only mortgage with Rooftop Mortgages which became overdue for repayment. Always planned to sell to repay...no problem, and Rooftop was aware of this. Never missed or late with payment. However a few months ago I had a letter from their Solicitors simply asking what my proposals for repayment were, and then stated that if not repaid, repossession proceeding etc would be taken and IF THAT happened there would be legal fees. Nothing happened, the house has been sold and the mortgage repaid. However, the redemption statement included fees of £926!! I have raised a Formal Complaint with Rooftop about these not being justified but accepted the redemption figure as I did not want to delay completion of the sale/repayment of the mortgage). I await their response. I told Rooftop that following completion I would issue a SAR and then proceed to the Financial Ombudsman to recover these unjustified fees. My question is: Is the Financial Ombudsman the best route to go to do this?
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Government action to end letting fees - England Only READ MORE HERE: https://www.gov.uk/government/news/government-action-to-end-letting-fees -
I owe sandwell council, £1717.37, i have paid off £792.37. Bristow sutor have charged £75.00 compliance fee and then £235.00 enforcement fee. I fell behind the agreed payment plan by 2 weeks and they now want the full £1235 balance or another bailiff will visit adding £235.00 to the balance. The bailiff has never entered the property nor have we spoke. Can they charge so many fees? -
I had an interest only mortgage with Rooftop mortgages that expired March last year. It was always planned that the repayment would be from the sale of the property (never late or missed payments). Unfortunately did not sell until this month. Redemption statement shows £726 in 'fees'. In September last year I had a letter from solicitors appointed by Rooftop - in that letter they asked for my repayment intentions (which Rooftop already knew) and stated that I would be liable to costs IF the actions appended (ie court hearing/repossession) were proceeded with. None of that happened. The solicitors have been a courier service to relay messages back and fore as I am abroad and Rooftop do not use email (their solicitors do...) Their contact comprises two letters from Rooftop attached to their emails.....six emails 3-4 lines each, mostly acknowledging my updating them. I am presuming this 'fee' is for solicitor intervention, but their letter in September clearly states I would be liable for costs only if the court hearing etc were actioned. Attempting to clarify with Rooftop but obviously I want the sale to go through as quickly as possible - can I pay/protest now and then contest this charge 'after the settlement'? Possibly by going to the Finnacial Ombudsman?
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Hi I'm considering taking someone to small claims court over a faulty TV that they've sold me. I was just wondering if it's possible to inlcude filling and hearing fee as part of my claim? Also, can I claim anything for the income I'm going to lose for attending the court? If yes, how much? many thanks
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I defended the case and they had to discontinue the claim, but now they sent me a letter, with all the court fees and interest added on a periodic statement, almost £600 added to debt. Can the buyer of defaulted debt keep on adding fees and interest where the default debt was less than £5,000? Or could it be a ploy to get me to make contact with them (to prevent it from becoming time barred) as I never made contact with them since default some 4 years ago? -
I defaulted on a credit card for 11.2k , they sent a default notice in october, however, i checked online, and they are adding £170 a month interest. can they do that? - what should i do ?
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Hi I'm pulling my hair out with an ongoing council tax issue or issue's' rather ! I recently received 8 letters from my local council about old council tax bills dating as far back as 2008! The bills are for a number of different properties (I've moved around a lot) A couple of them are final small bills that I've missed after moving out, another is for a shared property where I paid my share and unfortunately someone else didn't and another is for two months after I moved out of a property. In 2012, my car was seized unfairly (I used it for self employment at the time and the bailiff used very dodgy means to remove it) to cover a £217 bill, the car was worth £3k and sold for £700, only £200 of that went to the council. On the day he took it, I rang the council while he was there to offer payment of the £217 and they refused to accept it. After receiving the letters recently, i have raised an issue (not an official complaint yet) to say that I do not owe them said council tax, number 1 because they took a £3k car and got nothing for it even though I offered payment and the bailiffs took so much for illegal fees at the time and also because the other property was shared and they can chase the other person on the bill. I can also provide evidence of moving out of the other property. I have been going back and forth with the council for a couple of weeks now who are refusing to listen to me and keep repeating that I am liable for all properties and accounts. The total outstanding is nearly £2000. They refuse to acknowledge that they did anything wrong in taking my car and actually said if I had offered to pay the bailiff or the council they would've much rather have accepted it, which is rubbish! When I received the letters, I contacted them immediately and asked that any further bailiff action was placed on hold while they investigated my points but the council ignored me and I have received numerous letters from THREE different bailiff agencies adding on further fees so the outstanding now totals £3,200!!! Its insane. My time to make an arrangement was up with one agency so I have had to agree to make payments of £400 a month to clear the £1,400 that they hold otherwise they would've visited my property. Another agency have given me 7 days. How is this OK? They have already taken a car which they should not have done ( I complained at the time and obviously my complaint was not upheld!) There are other people named on two of the bills yet they aren't being pursued. I have provided evidence of not living in one property in the time they claim but they have ignored it. I read something about a liability order only lasting 12 months? Is there anything I can do? I would even be willing to just take the council tax arrears on the chin and pay the council, but I cannot afford to pay £1,200 on top of that in bailiff fees! help! -
Hi I recently returned an item to a small online retailer due to the item being faulty/ incompatible with another item it was designed for. I made it clear in their support ticket that I wished to return the item for a full refund. Their support rep responded with "If the item is faulty we will replace it for you from our stock." The attitude of the customer service rep and part of their Terms of Service has me concerned: "Where items are returned as faulty and no fault is found by [RETAILER] a charge of £19.99 plus return postage is payable to cover the engineer's time." Also the return document sent for me to include with the item had the following paragraph: "Nb. Returns which are tested and found to be without fault, or where damage is found to have been caused by misuse, are liable to a £19.99 engineer's fee, plus return postage. By returning goods to us you are confirming that you understand and accept this." I left this unsigned. The item was returned in its original packaging. Would the seller have any recourse the levy a "engineer's fee" if they find no fault? If the item was returned fixed/replaced against my instructions what would be my next option (payment was through paypal)? Thank you in advance.
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Originally had a Council Tax debt of £167.00. A fee was added of £75.00. I agreed to pay £20.00 per month and did so on 15th of each month. At the end of August 2017 I owed £62.00. Stupidly I forgot to pay on the 15th September and on Wednesday I got home from work to a hand delivered letter which turned out to be an Enforcement Order with a further £235.00 of charges. I contacted the Bailiff by text and offer 50% of the £62.00 now and the balance next month but he was not interested. He wanted me to pay the total £297.00 the next morning. I asked what the next stage was and he menacingly answered "You will have to wait and see." I was hoping to be debt free by the end of the year, but these mean it will be another year. Can anyone please give some advice ? This means that my charges exceed the value of the original debt and he is expecting me to pay more than I can afford. Can I challenge the Enforcement Charge? Can I pay the charge by setting up a payment plan? Thanks in advance. -
Hello, I owe service charge backpayment to my management agent for my leasehold property. They took it to county court, then fast tracked to high court without informing me. I only knew when I received a demand for £2100 from the Sheriff's office. I offered to pay in instalments but they said their client wanted full payment, which I could not do. I sent them a copy of my Debt and Mental Health Evidence Form, they said their client rejected it. A Baliff visited my property when I was not in. I submitted an income and expenditure form (both mine and my wife's)to the sheriff's office, which clearly shows a minus. Even so I offered to pay £50 a month. I have now had an email saying they will forward this to their client and if it is rejected I will receive a visit from the Baliff without any prior notice. The amount has risen from £2100 to £3700 in just over 6 weeks, with interest at 41p a day. There is also a charge for a Baliff visit that never happened. I am worried sick. Please, if you can, please advise. I feel due process was not followed regarding the secrecy in taking this to court. I suffer from depression due to my debt issues and this is really affecting me -
Hi, I have been receiving letters from Harlands regarding failed direct debit payments and admin charges etc, similar to many of the other posts on this forum. Back in August, I paid for two memberships with Lifestyle fitness(for me and my girlfriend), both of which were on a "flexible" contract which required a minimum one month commitment. Both of these direct debits were setup under my bank account. My girlfriend moved back home in September and I wanted to go to a more local gym and so tried to cancel the memberships. My girlfriend rang the gym up who informed her that only the owner of the bank account can cancel the contract. I sent an email off at the beginning of October to Harlands customer support including my name, bank account and sort code and asked them to cancel both direct debit agreements linked to my bank account. 10 or so days later, after hearing no response from Harlands and it being only a few days before the next direct debit payment was due to be took out, I decided to cancel both direct debits via my online bank account. After this, I had no contact from Harlands for around a month or so until I received a letter through the post addressed to my girlfriend with the whole admin fees crap. Strangely enough, I didn't receive the same letter for whatever reason. I think I read before in the T&Cs that you must give at least a month's notice if you're cancelling, which I didn't realise. I'd happily pay the last month's fee for my girlfriend but outright refuse to pay the now £50 admin fee. Is there anything I can do to get them off my back?
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Hi I have had 3 x late payment fees of £25 each on my car insurance with RAC which i pay monthly and credit is provided by BISL. I would like to reclaim these can someone point me to a template letter suitable to start the ball rolling ?
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Hi I have a council tax bill outstanding that has been passed to Marstons. They wrote to me about it and the amount seemed wrong I disputed it with the council. Once that had been settled, I have tried continuously to get in touch with Marstons probably for about 4 weeks, and each time been on hold for at least 30 minutes. I finally got through on Friday and was told my account had been passed to a bailiff and I would have to speak to him. I rang the man who was rude, aggressive and abrupt. I offered to make two payments (the debt is £1000) as I couldn't afford to pay it one go. He said OK but he would still attend my property and add £235 to the arrears. I asked why as I had just offered to pay him and he said because he could. I said very calmly that no one would be in and we wouldn't open the door anyway he started shouting that that was it, I couldn't pay in two payments any longer and he would 'see me Monday'. I once again asked for an explanation as to why he wouldn't accept my payment offer and he shouted 'goodbye' and put the phone down! I tried calling Marstons back but once again couldn't get through I emailed and complained about his conduct and offered to phone and pay via the office. The bailiff has since attended twice and put letters through the door, but I will not ring him again to be shouted at thank you. I have also emailed the council to offer payment directly and as you'd expect they said I have to deal with Marstons. Obviously he's attended so they can add money on and I will not pay the £235. Just wanted to check where I stand legally? If neither the council or Marstons will accept my payment offer, what am I actually meant to do!?
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Hi all, I am close to paying off a secured loan. The balance of £988.00 is made up of the fees and interest on fees levied over the past 7 years. I want to have these charges refunded and this will clear my balance. Should I send a letter before action and should I charge intererst. -
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
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Hello! I know the answer is easy to find but I can't find it! I have approx £360 left of an enormous loan with WF. I have refused to pay it for possibly a year now. Might be slightly less. I know there is a letter you can write about not paying the fees and telling them politely no. But I can't find it. Please can someone point me in the right direction? If I'm completely wrong, I'd love your advise J
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Hello everyone, I am new here. Sorry if this problem has already been discussed before, but would really want some advice on the matter. I've joined exercise for less on the 18th of September 2017, and I wanted to join for a month to test out the gym, so the personal trainer there at the time said that I can join and cancel on the same day so that the charge would only be taken for September, they charged me 40 pounds, 20 for admin and 20 for the month. The contract I am on is a rolling contract. although on the terms and condition states that I shouldn't cancel the DD, but I did it anyway because I don't want them to 'accidentally' take another month's cash from me. Got an email from xercise for less (central support team) about arrears, called them and they told me I have to pay the October fee (20) and administrative fees( for cancelling) 25 ( 44.99 in total), Ive hanged up and complain to the gym front desk, they told me they will help contact harlands ( blah blah blah). Nothing happens until the 19 of October which Harlands sent me an email, demanding payment of the 44.99 or they are going to up the charges. I have written the reply below ( not yet sent), and was wondering if there is anything I should add or avoid? ------------- Dear Sir/Madam, Please note that the date I have joined xercise4less on the 18 of September is also the date I have filled in the online cancellation form which would have given you 30 days of notice of cancellation, I had been adviced by member of staff from xercise4 less in the Newcastle-under-Lyme branch to fill in the online cancellation form on the first day due to the fact that I was only interested to join for one month. No administrative fees will be given. Yours Sincerely ---------- Thank you for taking your time to read this. hopefully hear from you soon. Paarthurnax
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When the Taking Control of Goods regulations came into effect in 2014, they not only provided a much clearer and fixed fee scale, they also introduced a fairer system whereby, in order to keep bailiff fees to the barest minimum, (of just £75) the debtor is given the opportunity of avoiding a personal bailiff visit (and an enforcement fee of £235 being applied) by paying the debt (including the Compliance Fee of £75) by the date outlined on the Notice of Enforcement....or alternatively, by agreeing a payment arrangement with the enforcement company. Most payment arrangements are for a short period of approx 3-4 months (sometimes even more). Where problems have arisen since 2014, is that many people receiving a Notice of Enforcement from the bailiff company, try to avoid paying bailiff fees by visiting the local authorities website and making an online payment of just the debt owed to the council. Such avoidance methods do not work. This is because, the regulations are very specific in that once the Notice of Enforcement has been issued, the debt owed includes the compliance fee of £75. Furthermore, and this is again in the regulations, any payments made after the Notice of Enforcement has been issued must first be applied towards discharging the Compliance fee (of £75). The bottom line is that if a payment is made to a local authority (minus bailiff fees) after the date on when a Notice of Enforcement is issued, the enforcement company are entitled to their compliance fee (of £75). The effect being that any payment made to a local authority (minus bailiff fees) must be considered as merely a part payment and accordingly, the warrant is not satisfied…and bailiff enforcement can.....and will continue. Since 2014, debt avoidance websites have inundated local authorities with many hundreds of Freedom of Information requests enquiring as to whether councils retain these online payment or pass the compliance fee to the enforcement company etc. These pointless requests have achieved absolutely nothing. There have been quite a few Local Government Ombudsman’s decisions regarding this scenario but a very recent one is of interest because, in this particular case, the local authority adjusted the amount of the Liability Order but failed to inform the enforcement company. The debtor also paid the council direct (minus bailiffs). A have copied the decision in the next post. -
Can anyone advise me please, I'm a landlord and have had a tenant living in my property for over 6 years, only a small deposit given and I didn't put into a protected thing, I now need to get the property back and the tenant says I need to evict them as they want a council property, what can I do?
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I'm making a (very!) small claim through MCOL on a point of principle - to recover just £5. That amount is dwarfed by the £25 MCOL fee - I'll make the claim anyway as I want to hold the other party to account, but can I include the £25 MCOL fee in my claim - or is that disallowed? (I seem to remember than the previous Small Claims Court arrangement, part of the deal was each side paying their own fees - but I can't find any reference to this in MCOL documentation) -
Car on HP with BH. Some way in to the agreement finances crashed and couldn't pay. Defaulted and taken to court. But BH didn't get a court order for repossession, and I avoided a CCJ. (Mostly luck, and a sympathetic judge.) Instead BH & I agreed a Tomlin order with minimum repayments, which I kept to. Final payment made recently. The Tomlin order explicitly said 'There is no order made in respect of costs.' BH have still added solicitor fees, court costs, and other legal costs adding up to a few hundred to the balance. Do these fees count as unreasonable costs? Can I reclaim them? I'm already planning to reclaim the usual BH late/returned payment fees and it would be useful to know if I can include these fees too. All help appreciated!
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I would be grateful if anyone here can give me a brief outline of the actual law relating to gym's that attempt to charge an administration fee (£25.00)? Am I correct in saying that this is legally defined as a penalty fee and therefore unlawful and can be safely ignored? Thanks in advance for any help provided. And might I say what a wonderful resource this forum is. All power to your elbow. Dubs
