Choice Help needed

[Nadine]

Hi Everyone

 

Can anyone help I have a an amount on Choice catalogue I have made small payments over the past 6/8 months but it hasn't become any lower infact the inital amount has gone up everytime I pay whether it is £20-00 £40-00 they add a £ 15-00 charge because I am in arrears and on top of this something called Account Cover Plus ? If they continue to do this I will never pay it off.

Sometimes I have to pay less than the £15-00 therefore iot is a complete waste of time Any suggestions / help /advice will be mnost welcome

Can I treat the charges penalties the same as the banks? I have been reading the FAQ's etc etc etc with a friend who is a member I decided it was such a great site that I would join myself. Sorri if I rambled on .

 

Thanks

Nadine

[alanfromderby]

I would ask them what the Account Cover Plus charge is - but the late payment charges are definately unlawful and can be reclaimed.

[Nadine]

Thank you Alan for your quick response,it was very welcome. Having someone to help when you don't know where to turn is a great relief.

I believe that Account cover plus is a form of protection if you lose your job or you become ill . Can I ask them for all my statements to under the DPA? they only let you look at 5/6 months online.Thanks again

 

Nadine

[alanfromderby]

It is important that you read through the FAQ's where you will find a step-by-step guide. There is a template (in the library) for the DPA information request.

 

The wording of the letter is very important as what you are asking for is a list of transactions - not statements, as statements themselves are not considered as within the terms of the DPA. Of course they may decide to send statements - but that is up to them.

 

You can claim up to six years - but it is vital that you spend some time learning the process first.

[Bookworm]

Account Cover Plus is a repayment protection plan, yes. If you don't want it, cancel it. It's not a condition of the catalogue to have it, but they will try it every time.

 

What do you mean by "Sometimes I have to pay less than the £15-00 therefore iot is a complete waste of time "? Do you mean that your minimum payment is less than £15.00 at times? Regardless of reclaiming the penalty charges, which you definitely should do, why don't you then increase your payments a bit at the time, so that you catch up with your arrears? This way, when you get the charges back, you'll be ahead of the game.

[Nadine]

This topic was closed on 2019-03-08.

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