Manny v Studio ***WON***

[manicblonde]

I have been writing to studio cards about the balance on my account that is increasing every month due to interest and admin charges.

 

I have been writing to them since November last year when I paid them what I calulated to be my outstanding balance.

 

I have written requesting a copy of my credit agreement as I dont ever recall signing one.

 

Thye have sent me back a blank agreement! No name, account number or signatures.

 

WHat should I do next?

 

Also, I have been writing to the Co-op on behalf of my parents, neither of them work & they have been paying a credit card off since about 1990!! They are both disabled and the original amoutn was about £2500, Co-op are still requesting over £1000! Is there anything you can suggest that may help them get this amount reduced or written off? They are at their wits end and currently have less income than their outgoings!

 

Please Help if you can!!

[**Tilly**]

Hiya

 

you need to send a sar requesting your date,enlcosing a £10.00 cheque,once you have

all of your date (statements) you can start the process of reclaiming all of the charges.

 

 

Tilly

 

http://www.consumeractiongroup.c o....s-library/516-

 

If you start a thread in the co - op forum you will get all help and advice in there

 

http://www.consumeractiongroup.c o....perative-bank/

Good luck

[manicblonde]

I have the statements, for once I was organised!!! I shall have a look at the library docs now.

 

I will aslo start a new thread on the co-op as you suggested.

 

Many thanks x.

[theno1lush]

Hi Manic

 

I wonder if you could possibly help me with my claim, I was going to state a hardship case aswell for my claim agains Halifax credit card, I'm going to do in income and expenditure sheet, but am having a blank about what to say to justify my argument with them as a hardship case, do you have any ideas???

 

Thanks in anticipation

[manicblonde]

You need to tell the truth, If you really do have grounds of hardship the income/expenditure budget will speak for itself!

[theno1lush]

Thanks manic, I'm sure that it will speak volumes!!!!! Here I go!!!

[manicblonde]

Just a quick update.

 

Studio have refunded all the charges I asked for and were unable to provide a signed CCA! YIPPEEE!

 

They now owe me money!!

[steven4064]

Great result Manny - CONGRATULATIONS

 

Is the account now settled and closed?

[manicblonde]

Will be closed when they cough up the money they owe me! I am writing to that effect today!

[tiglet]

Hi Manic

 

I wonder if you could possibly help me with my claim, I was going to state a hardship case aswell for my claim agains Halifax credit card, I'm going to do in income and expenditure sheet, but am having a blank about what to say to justify my argument with them as a hardship case, do you have any ideas???

 

Thanks in anticipation

 

Bit confused - you say a hardship case - do you mean in teh courts?

 

If so, it is only bank account cases which are stayed at the moment, not credit card cases.

[manicblonde]

Money Rec from Studio. Now trying to sort out the claim for my Mum too.....

 

I'll let you knwo how we get on!