Julian01 v Intelligent Finance credit card

[julian01]

Hi all

Just some info regarding my claim.Total charges £390.no interest calculated yet.

My experience with these has been somewhat baffling and not replicated anywhere i have found, as yet.

I phoned Intel Finance about 2 weeks ago trying to find the correct address to send my SAR to.They responded by transfering me to several dept`s before telling me that they could`t in fact give it to me and that someone would call me back.

3 days pass and i get the call telling me the address and apologising that i have a complaint.

Within days i received a letter stating that there has been £290 in charges added to the account since opening and that they would,as a good will gesture refund 50% of the charges applied this year,a total refund of £45.

 

I phoned them after receipt of this letter to say that i was a little surprised to receive such an offer,considering i hadn`t sent them an SAR request and had not registered a complaint.

The lady replied that this letter was "Standard Practice" in light of my SAR request and now that i had phoned,and in light of the "new directives from OFT" they would be willing to refund all of the charges.There was no mention of interest added.

I received this letter Sat 18th Nov,along with every statement which they haven`t charged me for.So I called today 20th Nov to ask if they would calculate for me the "compounded contractual interest" and any pending charges.

She agreed that the interest "should have been included" and that they have an "interest calulator" that would do this quickly so i need not do it myself.Any pending charges would also be included.

The revised offer should arrive in the next coupl of days.

 

All in all a strange way of reclaiming charges i guess.

 

DO NOT see this as a short cut method of reclaiming charges.

I am also reclaiming in excess of £2k from my Intell Finance current account using the tried and tested process,and doubt very much if they will be as accomodating.

Again THIS IS NOT A SHORT CUT the tried and tested process should be followed.

 

I`ll keep posting updates here regarding this claim.

 

A number i have found usefull : 01383743833

 

This number is for Intell Finance Complaints at Petrevie Business Park.

Im guessing that it is also for HBOS complaints

[orfoster]

Wow you were lucky, well done on that. Good Luck with the other claims. I'll let you into a little secret. When my people paid up, they sent me two cheques each for £2500!! When i called them to tell them i had the payment they said good good and pretty much put the phone down, so im keeping hold of it till they notice, if they do.

[julian01]

Hi just a little update,

IF who i have been calling are now changing their minds ,surprise surprise.

According to them they will not refund the interest on the charges but are willing to pay back all the charges applied to the account.

They (hbos) say that as they have only been looking after the account a short time and only a percentage of the charges are theirs to refund and i should have contacted IF for the remaining charges.lmao:D

 

(To stop confusion IF credit cards are now administered by parent company HBOS credit card services).

 

But because they have written to me already to tell me they would refund all the charges ,they would very nicely continue with this arrangement.

Not even a mention of interest applied to their supposed part of the charges.

All these letters have been sent to me on Itelligent Finance headed paper,

all telephone calls have been answered as Intelligent finance,therefore I am dealing with Intelligent Finance,so when at anytime did i begin dealing with HBOS.

Anyway A New Stalling tactic i think,

But bless them ,in all their confusion ive had my statements free and in double quick time,even already highlighted the charges for me.

Spreadsheets here i come.

 

Any opinions are welcomed peeps.