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WINNER ! -Dont let the barstewards grind you down!
HOORA
Posts: 56 Forumite
http://forums.moneysavingexpert.com/showthread.html?t=131408
well i have won my case(according to customer services!).
accucrap stopped statements being sent, after an erroneous mail delivery was returned. 5 months later and 100 pounds in charges plus interest i was in the doodoo!
they locked me out of my internet account and did not email me or contact me by telephone in over 5months. they just passed me to LTSB collections agency.
i only found out about this when i went to cancel card.
i immediately paid off all money and interest up to the last statement issued.
i refused to pay off the charges until id seen some statements and got back into account. once i did i refused after seeing what they had charged.
many phone calls from me to them, rudeness by some of their staff, hysterical shouting by one so called debt advisor,
and high pressure tactics like "mr.x if you dont pay these charges in full, we will continue to add late payment fees, and eventually pass you to a collections agency. it will go on your credit file"
i refused to pay, and said i had paid my debts in full, plus interest, and i held accucrap partially responsible for the debt so they must withdraw the charges. 40pounds was offered(and has definitely been credited).
i still refused to pay the other 60 and warned them i would be referring the matter to the financial ombudsman. again more threats from the collections dept...until i said'go on, take me to court then! or, i tell you what, ill pay in full and take YOU to court! how does that sound!?"
one flabbergasted debt advisor asked why..."because these are unenforceable debts under English Law. You are penalising me as retribution and as a disincentive and they bear no relation to your actual costs. ill pay them in full now, but ill take you to court to recover them.PLUS my costs! I can cite case law if you wish? "
"im not a lawyer I cant comment"
"Refer it to your your legal dept then and they will confirm Im right. When they do, you will be forced to drop the charges and subsequent interest. But I also want you to make a note on Experians file admitting there was a communications failure and that I should not be treated as a bad credit risk"
Tonight i checked up to find 40 pounds taken off account, with a letter from the legal dept drafted that will set my account to 0.00 and therefore nullifying all charges and interest!
They do not wish to amend the Experian report or have a statement added. BUT THEY WILL IN TIME !!!
DO NOT GIVE UP AND DO NOT PAY LATE PENALTIES! THEY ARE UNENFORCEABLE NO MATTER WHAT YOUR T&cs SAY!
well i have won my case(according to customer services!).
accucrap stopped statements being sent, after an erroneous mail delivery was returned. 5 months later and 100 pounds in charges plus interest i was in the doodoo!
they locked me out of my internet account and did not email me or contact me by telephone in over 5months. they just passed me to LTSB collections agency.
i only found out about this when i went to cancel card.
i immediately paid off all money and interest up to the last statement issued.
i refused to pay off the charges until id seen some statements and got back into account. once i did i refused after seeing what they had charged.
many phone calls from me to them, rudeness by some of their staff, hysterical shouting by one so called debt advisor,
and high pressure tactics like "mr.x if you dont pay these charges in full, we will continue to add late payment fees, and eventually pass you to a collections agency. it will go on your credit file"
i refused to pay, and said i had paid my debts in full, plus interest, and i held accucrap partially responsible for the debt so they must withdraw the charges. 40pounds was offered(and has definitely been credited).
i still refused to pay the other 60 and warned them i would be referring the matter to the financial ombudsman. again more threats from the collections dept...until i said'go on, take me to court then! or, i tell you what, ill pay in full and take YOU to court! how does that sound!?"
one flabbergasted debt advisor asked why..."because these are unenforceable debts under English Law. You are penalising me as retribution and as a disincentive and they bear no relation to your actual costs. ill pay them in full now, but ill take you to court to recover them.PLUS my costs! I can cite case law if you wish? "
"im not a lawyer I cant comment"
"Refer it to your your legal dept then and they will confirm Im right. When they do, you will be forced to drop the charges and subsequent interest. But I also want you to make a note on Experians file admitting there was a communications failure and that I should not be treated as a bad credit risk"
Tonight i checked up to find 40 pounds taken off account, with a letter from the legal dept drafted that will set my account to 0.00 and therefore nullifying all charges and interest!
They do not wish to amend the Experian report or have a statement added. BUT THEY WILL IN TIME !!!
DO NOT GIVE UP AND DO NOT PAY LATE PENALTIES! THEY ARE UNENFORCEABLE NO MATTER WHAT YOUR T&cs SAY!
0
Comments
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Well done!0
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well done hoora,
are you going to keep going till you get the note on your file?0 -
well done!!!!!!!!!!!! Hoora0
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Hoora - this is BRILLIANT - well well done - I too have had to battle and battle and prove stuff that wasn't my fault and EVENTUALLY I got ALL late (wrong) payments removed, and apologies from creditors and £305 from Abbey etcetc - Now I have been offered credit cards and accounts and the like GALORE!!!! So I can pick and choose who is the best and do what I want. NO MORE at their mercy!! Well done, it SO pays to fight - especially when they try so HARD to stop you or scare you or threaten. SO pleased for you, I know what's its like to win a battle you shouldn't have been in, not just relief but incredulousness that it ever got that far!
Peachy X£35K+ debt at its worst
£4,302 now - just paid off £1,400 !!
Debt free in MAY 06 :j0 -
:j :j :beer: :beer: :beer: :beer: :beer: :beer: :beer:
Well done!!!!
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yes i have to await their written 'offer' before i can can write back requesting they do something else IE AMEND EXPERIAN REPORT. this gives them a chance to put things right before being reported to the financial ombudsman(ill do that anyway)
as accucrap have effectively rolled over at the first complaint without me waiting for redress, i take their clearing the account as an admission of responsibility.
im fighting till i get bad credit references removed or amended. they have even put a DOUBLE ENTRY INTO EXPERIAN so it looks like ive defaulted twice over 2 products in 6 months.
Perhaps trying to make it DIFFICULT to get credit from elsewhere than LLOYDS TS 'NOT ALL YOU CAN' BE / ACCUCRAP.
!!!!!! !
ALL I CAN SAY IS...
NEVER EVER PAY LATE PENALTY CHARGES OR THE INTEREST ACCRUED.
IT DOES NOT MATTER WHAT THE TERMS AND CONDITIONS ARE, OR WHAT YOU SIGNED UP TO IN A CONTRACT. THESE ARE SUBJECT TO AND SUBSERVIENT TO BRITISH AND EUROPEAN LAW AND YOU HAVE CONSUMER PROTECTION !
(only applies if their costs do not bear relation to their charges - they are entitled to make reasonable charges)
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the ironic thing is...if they had been nicer to me, i probably would have paid in full. i got so angry about it all i came to MSE to find helpand I got it !
LLOYDSTSB AND ACCUCARD - LACK OF MANNERS COST YOU OVER 100 POUNDS FROM ONE CUSTOMER ALONE.
think about that.
C U Next Tuesday !0
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