Lowell Powell debt collection/old shop direct defalut

[dx100uk]

post up the letter please

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

dx

[Deetyler14]

here is the letter

[ims21]

You need to follow the instructions dx gave you and convert it to PDF.

 

jpg files are too small to read

[Deetyler14]

Sorry didn't see the rest of the Instructions - will do on my break

[Deetyler14]

try again lol

shop_direct.pdf

[dx100uk]

adapt as you need too.

 

thir T&C's are not 'permission' to levy charges.

 

 

 

in reply to their letter:

with regard to your letter of the 30th.

i thank you for the gesture of goodwill

in relation toward the refund of your unlawful penalty charges

however, i beg to differ upon your points raised

concerning your interpretation of the OFT statement.

It is perfectly evident that it applies to ALL types of

consumer credit agreements, else why are

all the major credit cards companies & indeed

other catalogue companies, including yourselves

settling complaints of this nature?

it is also worthy to note, that the statement was a recommendation

of £12, not permission to charge such a penalty.

When & if you truthfully disclose your actual costs

then perhaps consumers might have a better faith in the industry.

i now move to the matter of the interest you have charged me

on these penalty charges.

in line with the std FOS calculation, you have failed

to place me back in the position i would

have been, had you not levied such charges,

You have omitted to include the interest you have charged me

on each day for each charge.

Having already prepared the documents required should

i take the option to take you to court, i have included

a repeat copy of my schedule of charges.

from the total detailed i have removed your refunded sum.

i will give you 14 days before i decide my next move.

However, either way, be this court or the FOS, this will increase

your costs by adding a further 8% statutory interest to my claim.

Having consulted information provided by the FOS

i am also advised to inform you of their fees levied

upon the company under investigation - £450

i sincerely hope we can resolve my claim

without further involvement.

however, please be advised i will not hestitate

in escalating this complaint should it not

be resolved to my satisfaction.

yours

disgrutled customer

that should do

dx

[Deetyler14]

adapt as you need too.

 

thir T&C's are not 'permission' to levy charges.

 

 

 

in reply to their letter:

with regard to your letter of the 30th.

i thank you for the gesture of goodwill

in relation toward the refund of your unlawful penalty charges

however, i beg to differ upon your points raised

concerning your interpretation of the OFT statement.

It is perfectly evident that it applies to ALL types of

consumer credit agreements, else why are

all the major credit cards companies & indeed

other catalogue companies, including yourselves

settling complaints of this nature?

it is also worthy to note, that the statement was a recommendation

of £12, not permission to charge such a penalty.

When & if you truthfully disclose your actual costs

then perhaps consumers might have a better faith in the industry.

i now move to the matter of the interest you have charged me

on these penalty charges.

in line with the std FOS calculation, you have failed

to place me back in the position i would

have been, had you not levied such charges,

You have omitted to include the interest you have charged me

on each day for each charge.

Having already prepared the documents required should

i take the option to take you to court, i have included

a repeat copy of my schedule of charges.

from the total detailed i have removed your refunded sum.

i will give you 14 days before i decide my next move.

However, either way, be this court or the FOS, this will increase

your costs by adding a further 8% statutory interest to my claim.

Having consulted information provided by the FOS

i am also advised to inform you of their fees levied

upon the company under investigation - £450

i sincerely hope we can resolve my claim

without further involvement.

however, please be advised i will not hestitate

in escalating this complaint should it not

be resolved to my satisfaction.

yours

disgrutled customer

that should do

dx

 

That's great thank you , will send off tomorrow . Hopefully this will work

[supasta1]

No, they are probably hoping you just go away

[ims21]

Two threads merged. Please keep to one thread for this issue

[Deetyler14]

ok I am at the end of my tether now...after following allllllllll the advice on here and after the final letter copied from above this is my response:

 

Dear Miss

 

I am writing further to your letter dates 7 September 2012 concerning your disagreement with my response, and also the interest charged on your Isme account. **********

 

I have noted your comments in your letter that you feel the administration charges should be removed, and as previousley stated in our letter dates 31 August 2012, these administration fees have been justly applied to your accounts, therefore my decision remains the same, and I cannot remove the administration charges.

 

As regards your comments on the interest that has been charged, due to the administration charges on your Isme account ********

 

Your Isme account is an interest bearing account. You will have been made aware of this upon acceptance of your application for a account. Therefore under the circumstances the company is not prepared to refund any interest charges to your account, I am unable to uphold your account (- can i just point out here my other 2 accounts werent interest bearing

 

We are aware of the statement of the Office of Fair Trading (OFT) regarding fair charges, and we are satisfied that the charges applied to our customers aco****s are justifiable, in accordance with the views of the OFT and are fair within the unfair terms in consumer contracts regulations.

 

Therefore this is my final reposonse to your coplaint, if you are not happy you can refer your help to the Financial Ombudsman Service (FOS) but must do so within 6 momnths. Yours Sincerley

DOnna Sette

Customer Excellence Bolton

 

 

BIG HELP NEEDED PLEASE!!!!!!!!

[dx100uk]

see post 10 here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?345970-Lowell-Powell-debt-collection-old-shop-direct-defalut&p=3995468#post3995468

 

dx

[Deetyler14]

thats the link to this thread?

[dx100uk]

silly bugger dx!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?310732-Shop-Home-Direct-£12-charges-*********************Won*-**********************&highlight=shop+direct+reclaim

 

post 10 here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?360872-Shop-Direct-Debts&p=3956527&highlight=shop+direct+reclaim#post3956527

 

dx

[Old Cogger]

they would have to justify the amount of charges as they are charges on charges i.e. on top of the normal interest rate.

[Deetyler14]

so what does that leave me to do now? do i go to my citizens advice bureau?

 

nothings ever simple with me!!

[dx100uk]

send a complaint to the guy in post 10 of that thread linked above.

 

dx

[Deetyler14]

The man emailed him...trying to get hold of the email adress

[Deetyler14]

I can't get hold of address of the man he emailed- it seems that's all he did and poof he had won , so not helping me if I can't really email him. What would be my next step ? File court action? Complain to the FOS or whoever ?

[Deetyler14]

Bump ... Help needed please as I've done everything this site has told me to

[BRIGADIER2JCS]

Send a letter recorded delivery instead of e-mail.

[Deetyler14]

What do I say now ? I seem to have repeated myself 3 times now and they said they won't reapond again - it's more the default I want removed more than the money back

[BRIGADIER2JCS]

On last chance re the default which appears to be a result of the charges alone, yes?

 

Send the folowing to their Data Controller.

Marked Private & Confidential.

 

 

Ref: as on their letter.

 

Dear Sir or Madam,

 

Formal Complaint re. inappropriate default entry on credit files.

 

I refer to recent correspondence between ShopDirect and myself regarding what I believe are unfair charges, given the information received from the company I believe that matter is now closed.

 

With reference to the default entry palced on my credit files this I belive accurred as a direct result of the charges levied upon the account, this I believe IS unfair and inreasonable the ICO Technical Guidance on placing defaults is ''that is a default sum is composed of charges without which the account would not be defaulted NO DEFAULT SHOULD BE PLACED.''

 

I request that in this instance the default is removed from all credit reference agency your company reports to.

 

I would expect your response within 14 days from the date of this letter.

 

This letter is sent by Royal Mail Recorded Delivery and receipt will be tracked.

 

If that doesn't work I will give up!!

[Deetyler14]

Lol thank you , what can I add about the money too as if I can get it back it be a bonus , I think it's because I've already paid it all off?? I can never do anything right