Sueing for Charges lowell owned cat debt

[sfuk]

Hello All

 

Here's one for you. As my catalogue company have applied about 20 £12 charges (over 10 months) to my account and are refusing to take them off can I sue them for money as they have created a liability or do I need to apply for an order telling the company to take them off?

[BankFodder]

Tell them that you want a full account for the charges. This means that you want a detailed breakdown of how the figures have been arrived at and how they truly reflect the administrative charges incurred by any late payments.

 

Point out to them that the figure of £12 was identified by the OFT as a maximum figure after which an investigation would automatically be held. Point out to them that the OFT made it clear that there £12 guide, was just that – a guide figure – and that charges still had to be justified by actual costs.

 

Warn them that if you do not hear from them within 14 days that we will start a legal action for the recovery of charges.

 

Don't bluff. If you're not prepared to start small claim, then leave it.

[rebel11]

Send the letter to their registered office, send it Recorded Delivery.

[sfuk]

thanks bank fodder. I shall certainly follow through with a claim if they do not respond.

[dx100uk]

don't forget to apply their int rate from the date of each charge too

 

 

dx

[sfuk]

its been a while since I reclaimed charges. Do they still fall under the unfair consumer contract regulations?

[sfuk]

Can anyone help me with this still. Like i said its been a while.

 

SFUK

 

OK Sent an SAR to original Creditor. When I take this to court, do I take the original creditor or the new owner of the debt (lowell)

[SabreSheep]

You sue the orignal creditor

[sfuk]

OK Nice one ill get an sar off to original creditor and then start county court action once we have exchanged some kind letters.