Premium Credit - Unfair Charges

[JustRaider]

Hi,

 

I have a Home insurance policy with Premium Credit and the monthly premium is

£21.12.

This year there have been a number of failed direct debits on my account. Not all

my fault as some were caused by Bank errors.

For each failed direct debit £20.00 has been charged to my account plus a

'default notice'. This action is becoming expensive and has ruined my credit history.

After reading the Consumer Rights Act 2015 Sections 61 to 76, I consider the

£20 charge to be unfair for the late payment of an amount of £21.12

 

Is it worth an attempt to reclaim these unfair charges ?

 

Thanks,

JustRaider

[dx100uk]

yes they are unlawful

premium credit put up a fight but do cough up

 

 

i'd complain to your bank too

as I doubt PC wrote to you

and told you of a varied amount from the DD schedule they sent

so they took money without your permission.

 

 

dd guarantee

[JustRaider]

Thanks for the advice.

 

I'll start the reclaim process by writing a letter to Premium Credit quoting

the Consumer Rights Act 2015 Sections 61 to 76.

I'll also ask for the 'default notice' to be taken off my credit reference file.