mk one

[KGutteridgeUK]

Gonna try to reclaim charges against mk one

 

Set up ridicilously low credit limit card last year, they still took payment even though I was over my limit. £30 a time, got silly, cut up the card.

 

Anyway gonna give a shot.

 

Sending letter to request charges today.

[KGutteridgeUK]

Also 14 days later, no repsonse to letter.....

 

Has anyone else complained about MK One store card? Creation..... in Birmingham Finance Co.?

[Bookworm]

So LBA, 7 days (just to show you have made every effort to keep it out of court) then sue.

[KGutteridgeUK]

Going to send a second letter to follow up demand for charges, also off work this week so will ring them up for the information.

 

These were charges for going over my credit limit set at £100 can I claim these back?

[alanfromderby]

Check out the FAQ's:

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=5

[KGutteridgeUK]

Sent a reminder for the full list of charges, they still have time, but haven't had a response. Should I ring them?

[alanfromderby]

I wouldn't - you have given them plenty of opportunity, when their times up sue.

[KGutteridgeUK]

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

[alanfromderby]

The number of companies "losing" letters at the moment is frightening. I would advise everybody to send all correspondence by recorded delivery. Whilst it is not legally essential, it stops them from using this excuse.

 

Remember, their inefficient office practises are not your problem.

[bram stoker]

girl said she could only look at last 6mnths. Told her I wanted the last 18th months,

If all your charges fall in those eighteen months, fine, but, reading around this site, you should be able to go back over the full six years if you wanted to.

 

Good luck.

[KGutteridgeUK]

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...............

[KGutteridgeUK]

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?

[alanfromderby]

The OFT £12 announcement is irrelevant, even they said that that figure was excessive. Have a good read through the FAQ's, that should answer all your questions.

[KGutteridgeUK]

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

 

Regards

[KGutteridgeUK]

This topic was closed on 03/07/19.

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