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[blackstar500]

I received an email from Next Directory and it states

 

 

"We will charge you a late payment fee of £5.00 if your account is two months in arrears" which is reasonable

 

The fees used to be in region of about £15.00 - £20.00 for every missed payment

 

 

KEEP UP THE FIGHT

[Seminole]

What was the date of the email? Does it say anything about charges for going overlimit?

[BankFodder]

It is more reasonable but if it exceeds the actual cost then it is disproportionate and is invalid.

 

Still a substantial improvement.

[blackstar500]

The email was sent dated 20/03/06 but will effective from the 14/04/06

 

 

 

 

FULL TEXT AS RECEIVED

 

New changes to the terms and condition of your next account.

Advance payment

 

 

We will charge an advance payment of £3.50 on first order.

 

 

We will charge an advance payment of £3.00 on first order.

 

 

We may ask you to pay £3.00 in advance when you place your first order.

 

Key Information

 

 

Default Charges

 

 

Will remain unchanged

 

 

The following will be added:

 

We will charge you a late payment fee of £5.00 if your account is two months in arrears.

 

 

You will be charged £5.00 if you have not paid the amount required on your account for two months.

[martinwhite]

This is still invalid as a late payment penalty, as it costs them nothing (certainly not a fixed fee) to administer a late payment they haven't received.

 

They should, surely, be saying that 8% will be charged once you are two months overdue.

[martinwhite]

But if I buy a pair of socks and put it on the card, and then don't pay on time, what have they lost, apart from the interest? What is the fixed fee for? :?

 

I agree that it would be uneconomical to sue for each breach, but these principles are always tested at the lower limits.

 

Mind you - we should not get sucked into a game where the banks insist that we come up with a solution. That's their responsibility, as long as its legal and fair.

[tempest]

If anyone from Next is reading.

 

Tomorrow I will be cancelling that nice glass table and chairs I ordered.

 

You just an lost an order for over 1.2K, suggest you change your view of a customer.

 

My conservatory will just have to have plants.

 

d.

[BankFodder]

If anyone from Next is reading.

 

Tomorrow I will be cancelling that nice glass table and chairs I ordered.

 

You just an lost an order for over 1.2K, suggest you change your view of a customer.

 

My conservatory will just have to have plants.

 

d.

More space for Strelitizia?

[blackstar500]

This topic was closed on 03/07/19.

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