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Unfair catalogue charges -going to court


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Hi

Im just wondering if anyone can give me some advice please.

I do apoligise if i have posted this in the wrong section.

 

I have had a account with additions direct now for probably 6 years.

At one point I went through severe financial difficulty and could not pay back what i owed each month so i joined a debt management plan to pay them back so much every month.

On the 8/9/07 my balance was £216.42 for the goods I received, I have paid them approximately
£186.87 through my Debt Management Plan, making payments every month on time so my balance
should now be £29.55 but instead is £866.80 .

I have written to them 3 times over the last two years asking them to please freeze interest and stop adding charges as I am cannot afford it and am in severe financial difficulty.

I have also asked them to refund the charges they have applied as they are unfair , I have been paying them £18 per month to try to pay this debt off and they have been adding £50 in charges every month for
debt letters, adjustment charges and insufficient amount fees
.

I applied for a SAR and this is how i found out that they had added all these charges.

I am now in the process of taking them to court for £800 odd pounds........I have received a letter today stating that they will defend them claim ( from shop directs solicitor) ???

What do I do now ???

Also since this has been going on a few months they have still been adding the charges so now my account is at the £920 mark ,(an extra £120 in CHARGES) can i change my claim to this now ??? or do i just stick with the £800 odd pounds as i originally was taking them to court for??

 

Any advise or input would be appreciated
as it just seems like it is spiralling out of control.

 

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Hi Charm

 

What did you put in your Particular of Claim and what have they put in their defence? If you scan and post any documents remove all personal details and reference numbers. People with specific knowledge on this site aren't around all the time, so it will take time to provide help.

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This thread would be better in the mail order forum.

 

Yes you can alter your total as long as you haven't filed at court yet.

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