reclaiming catalogue fees

[dx100uk]

I cannot believe you have no access to a PC via say a library work college relative.

 

 

dx

[Tigerbird45]

I struggle since the stroke with anything of this kind I wasn't used to being on a PC I need use of a PC and printer n also internet connection I accually struggle with the I phone I'll see if I can get some help thanks guys Mike

[dx100uk]

hey no sweat

well I can certainly do the sheet for you

but ofcourse would need to see all the statements.

 

 

dx

[Tigerbird45]

Hi dx thanks mate but will try n rope someone this end in to help thanks for the offer thanks Mike

[Tigerbird45]

Hi guys just recived a letter from Studio about my account missed payments not keeping not paid it last month quoting me about my credit agreement and it says ring us to discuss my account but nothing else yet thanks Adviseing me what to do if I'm having trouble paying my account thought I could ring n see what they can do for me thanks Mike

[mikeymack2002]

If you are struggling with this account there is a letter in our library that may assist you called 'payment holiday' have a read...

[Tigerbird45]

Hi Mikey thanks for your reply but I can't find that in the library just wondered as Studio says ring us about your account would this be a good idea to see what they can do while I wait for all my statements to come through thanks Mike

[dx100uk]

pers I wouldn't bother

[Tigerbird45]

Hi guys

 

 

just got a red letter from Studio telling me my min payment has been missed which is £90

 

 

I paid £40 other day but still nothing from my Sar I sent

 

 

if I don't pay they will what the letter also says ring our helpline contact us

 

 

I have with a Sar

 

 

any thoughts guys Thanks Mike

[Tigerbird45]

Hi guys

 

just received statements going back to 2006 from Studio

 

A credit agreement signed by them BUT not signed or filled in by me

 

also a break down of everything

 

I've got service charges,admin charges,default charges

 

I know the account started in 1993

but they say anything before 2006 have been archived

I thought there was more default sums

 

nothing says PPI

they are also putting admin charges in same bracket as default charges strange service charges is as they say interest charges

 

Admin charge, default sum. £244

Bank transfer. £2,829

Credit goods online. DPLS. -£29.99

Returned item. -£225.46

Goods lost in transit. -£16.99

Item cancellation. -£99.99

HHD return item. -£124.99

Debit Adj - cash. Error correction. £10

Invoice. £2,735.40

Service charge. £1,228.91

Visa delta payment. -£23.71

GRAND total. £867.18

 

This it Studios break down thanks Mike

[Tigerbird45]

Hi guys as you can see I've proberly paid this account off many times if it wasn't for the xtra charges

 

 

don't think I've got chance of getting the earlier statements 1993 onwards

 

 

I'll go with what I have

 

 

is there a template letter for asking for charges back

 

 

thanks guys

 

 

Mike

[dx100uk]

scan up some statements please

 

 

but pers I'd be putting in a claim from day one

using the CISheet

[Tigerbird45]

As they only have statements from 2006 not 1993 I suppose I'll have to go from there I think 2006 was when the defaults changed from £20. To £12 thanks for the reply Sir

[dx100uk]

so you have had the sar return then?

 

 

dx

[Tigerbird45]

Yes dx as I said above

Studio sent a credit agreement signed by them but that is all

no signature from myself on it and they say I will get statements from 2006

anything before this has been archived

the statements are arriving in drips n drabs

also a run down of the account since 2006

and a letter explaining why I the charges have applied

 

do I take their word for it the run down from them (as above ) it correct

 

can only start adding things up when I've got all the statements about 108 of them

 

think I should just remind Studio that we do not have a valid credit agreement

and go for a refund of all charges

and closer of my account

 

 

thanks dx

mike

[Tigerbird45]

Crazy things I bought from Studio

total£2,735

 

Bank transfer. £2,829

 

Admin n default £244

 

Service charge. £1,228

 

Amount left to pay £867.19

 

This is from their break down since 2006

 

I've paid like £2,450 on top of what I bought crazy

 

still waiting for all the statements to arrive

 

strange Studio couldn't give me statements from start of account 1993

 

thanks for your top advice guys Mike

 

Driving me crazy this paperwork from Studio going over it again

 

Studio can only provide statements from 2012

anything before that has been archived

but they have provided a list of transactions from 21/11/ 2006 till today

 

they say this is when the account started

BUT I already have a list from them saying account started in 1993

but no entries till 2012

 

no doubt studio don't what me have statements before 2006

this is when defaults changed from £20 to the no £12

 

do I add intrest in one lump sum

 

I've found two amounts 39.8% and 44.8% plus Service charge is added at 0.02.6 in the pound every 28 days

 

any thoughts guys thanks Mike

[dx100uk]

you should use the avg APR.

 

 

so have you got access to the CISHEET on a PC yet.

 

 

dx

[Tigerbird45]

No mate they are only giving me statements from back 2012

but got a run down from 2006 won't give me anything before that.

 

Ave APR think is 39.8% but since last month they have charged me 59.9% with some service charge on top.

 

going to see this mate tomorrow he's been on holiday see if he can help with the spread sheet

 

according to Studio I only have £244 defaults

 

let's face it I've been a model costumer think I should try n reclaim the defaults n service charges

as they have no signed credit agreement for myself

 

 

thanks dx mike

[dx100uk]

This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that fos will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitution is claimed.

 

CISheet v101.xls

 

pop your avg APR in cell d15.

 

then put in EVERY penalty charge on its own row [individually]

 

the sheet wil do the rest.

 

ONLY pop in FIXED SUM penalty charge

£12 £20 ones

 

this summary of back to 2006

could do with seeing a scan of it

 

dx

[Tigerbird45]

Hi dx thanks for your reply as I've only got a I phone 4s don't think the CISheet will open

 

Sir because Studio do not have a agreement signed by me

does this give me a advantage

 

been trying to get some photos up mate

phone won't have the tap talk don't think there are a great deal of defaults a

s I paid like clockwork it's totally doing my head in

 

sir crazy I'm having trouble paying it so the put the % up think if I statements back to 1993 there would be a pile of £20 defaults thanks dx Mike

 

According to Studio I only have £244 in defaults since 2006

they have not provided enough statements to add any up the have only sent statements back a couple of years if I could just get Studio to write this off I don't want a pocket of money kit to clear it Studio keep putting more onn crazy mate Mike

[Tigerbird45]

Right guys

so sorry this has taken a while as my wife has been very ill over Christmas n new year just didn't feel like tackling this

 

 

Studio has only sent account back to 2006 even though my account started in 1993

still not been able to get use of a PC there isn't as many defaults as I thought

because we paid like a wally

 

 

defaults as follows

 

20/12/07. Default. £20.00

15/01/08. Default. £20.00

17/12/09. Default. £20 00

19/05/11 Default £20.00

14/07/11. Default. £20.00

29/11/11. Default. £20.00

27/12/12. Default. £20.00

21/02/13. Default. £12.00

17/04/14. Default. £12.00

25/12/14. Default. £12.00

19/03/15. Default. £12.00

03/09/15. Default. £12.00

26/11/15. Default. £12.00

24/12/15. Default. £12.00

16/12/10. Default. £20

Could someone please if possible add the compound interest for me the monthly % is 39.9% changing to 59.8% after the 27/11/15

 

 

a big big thanks

 

 

I am also trying to get statements before 2006 from when my account with Studio began in 1993

 

 

thanks for all your help it's much apreachieted thanks Mike

[Tigerbird45]

Right well

 

 

received a red statement for money today

 

 

telling me that the will be putting a Default on my credit account

and I wouldn't get any more credit

 

 

really need to get this finished

 

 

send Studio a letter for refund of all the £20-12.

 

 

For default on my account

 

 

as my Mrs is ill in hospital

 

 

really don't need this

 

 

thanks

 

 

Mike

[dx100uk]

prob already have a default on cra file

we need the past pre 2006 data first ideally.

 

 

dx

[Tigerbird45]

Thanks for the reply

 

 

do I have asked for the pre 2006 files and all Studio says is the have been archived

if I can get the compound interest added to the default list I have

 

 

I will ask for this back which could maybe payoff Studio n a bit more

 

 

thanks for the reply I know I'm a pain in the butt thanks Mike

[dx100uk]

try this