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  • FIRST POST
    theleek
    Monument Credit card charges
    • #1
    • 12th Jan 07, 7:50 PM
    Monument Credit card charges 12th Jan 07 at 7:50 PM
    Ladies and Gents,anybody have any advice on the above company.I have received my statements from them,and so far everything has been promptly acted upon and they have not charged me for copy statements.
    I have calculated the charges and they total just over 250.The letter i received from the company states that if i wish to discuss anything then ring a number which is given.

    Has anybody tried this and been succesful rather than write and asking for the charges to be refunded.I aim to ring them and state what i would put on paper.I also have a debt on my card ( within the limit) of 500 so if they close my account i will still owe them money.

    I am fully prepared for asking for the charges,just want,if possible to streamline the process.
Page 7
  • HAVEFAITH
    Hi peeps,

    I am having majortrouble getting any replies from MONUMENT, with regard to retrieving Credit Card charges. They are ignoring all letters (sent by RD too & have been signed for according to the Royal Mail website) .... any tips from anyone please?
  • techspec
    Hi peeps,

    I am having majortrouble getting any replies from MONUMENT, with regard to retrieving Credit Card charges. They are ignoring all letters (sent by RD too & have been signed for according to the Royal Mail website) .... any tips from anyone please?
    Originally posted by HAVEFAITH
    Are you after statements or have you requested the money?
  • Maranman
    Hi to fellow Monument victims!

    I have only just started - sent the first letter/s and postal order/s out yesterday (8th November 2007) !

    (1)
    It has only just dawned on me that I should have sent the statement request letters (to 3 different credit card companies and my old bank) by Recorded Delivery - dumb I know!
    However, I still have the receipts from the Post Office to prove I paid them by Postal Order.

    Is this going to matter??? Am I going to have to write the cost of the Postal Orders off to experience and send the whole lot again by Recorded Delivery? What a muppet?

    (2)
    I still have a few old statements and can see a variable "Payment break plan" charge of about 5-7 on a 1008.21 balance.
    I can't remember what this charge was about? (we are talking a 2005 statement after all)
    Anybody know? Do I claim this back as well?

    (3)
    I am in this for the long haul!!!!!!!
    I am speaking from experience when I say to other victims DON'T give up and DON'T be worried about going to Court! We found the Court/Insolvency Service people to be most helpful and friendly - even the Judge was OK...

    I know what I am talking about as the family and I have been to Hell and back including separate Bankruptcy for my Wife and I for 22k.
    We were forced into this by ill health and these companies preyed on our misfortune No matter how long it takes I will have MY money back

    (4)
    The great news is that we are clear of ALL debt and have been discharged.
    We have a frugal lifestyle and NO credit history and don't need any Credit - we are managing to keep our heads above water and live within our budget.
    I don't mean to brag but we even SAVE some money every month with our local Credit Union.

    I WISH YOU ALL GOOD LUCK
  • ICan'tStandIt
    (2)
    I still have a few old statements and can see a variable "Payment break plan" charge of about £5-£7 on a £1008.21 balance.
    I can't remember what this charge was about? (we are talking a 2005 statement after all)
    Anybody know? Do I claim this back as well?
    Originally posted by Maranman
    Payment Break Plan covers losing your job, going into hospital etc and they freeze your balance for something like three years if your claim is successful.

    The cover is charged as a percentage of your balance - the more you owe, the more the cover costs.

    They typically give you back 6 months to a years worth without too many questions asked if you say you think the plan may have been mis-sold to you.
  • ICan'tStandIt
    Hi peeps,

    I am having majortrouble getting any replies from MONUMENT, with regard to retrieving Credit Card charges. They are ignoring all letters (sent by RD too & have been signed for according to the Royal Mail website) .... any tips from anyone please?
    Originally posted by HAVEFAITH
    Make sure it is their Crawley address you are posting them too.

    Call them up and ask for their fax number if you have copies you can fax.
  • HAVEFAITH
    Are you after statements or have you requested the money?
    Originally posted by techspec
    Statements
  • HAVEFAITH
    Hi peeps ... seasons greetings to u all!

    I have perservered and found a contact number for Monument

    Freephone 0800 2794783 or 0845 0820082

    I am awaiting a call back to get 6 years of statements, so lets see what happens. Getting anything out of Monument is proving a task!
  • ICan'tStandIt
    Make sure it is their Crawley address you are posting them too.

    Call them up and ask for their fax number if you have copies you can fax.
    Originally posted by ICan'tStandIt

    Monument Visa
    Portland Building
    25 High Street
    Crawley
    West Sussex RH10 1BG

    Monument is a trading name of CompuCredit UK
  • HAVEFAITH
    Are you after statements or have you requested the money?
    Originally posted by techspec
    Statements
  • Welsh_Adey
    Payment Break Plan covers losing your job, going into hospital etc and they freeze your balance for something like three years if your claim is successful.

    The cover is charged as a percentage of your balance - the more you owe, the more the cover costs.

    They typically give you back 6 months to a years worth without too many questions asked if you say you think the plan may have been mis-sold to you.
    Originally posted by ICan'tStandIt
    Hi all, I tried to claim back my Payment Break Plan and they said its not insurance and is not subject to the GISC private code. Does anyone know what this means? I have had this monument card form Dec 2005, and i got statements showing that i been paying this Payment Break Plan from then, but when i sent the first letter about reclaiming PPI they said I phoned them on the 5 Jan 2007 and my card was activated and i was enrolled in the optional payment break plan. Very strange.

    Any ideas?
  • Welsh_Adey
    Hi all. Just thought I would post to let you know that I am claiming my charges and PPI cover back from Monument. Looks like it could take some time. Will keep you all posted.

    I have a stupid question, who do you make the Cheque payable to when sending it for the data protection thingy, I have just addressed it to "Monument Credit Card Services", is that wrong or right.

    cheers
    Originally posted by Welsh_Adey
    Thought I would give you all an update. I put a claim in for 320 plus 36.05 intereset. They offored me 44 in part settlement, bascially the differen from the old chard to the new 12 pound one. Most my charges came in 2006 after the FSO said 12 is more fair. Today I have sent them a letter that i am not happy with the 44, but am will to take the 320 (i.e. no intreset) if they pay me wihtin 2 weeks. If not i will take them to court.

    I have seen a lot of people talkng about a number for the legal team, can someone post it here.

    Also have any of you tried to claim back you Paymen Break Plan cover?
  • HAVEFAITH
    Thought I would give you all an update. I put a claim in for 320 plus 36.05 intereset. They offored me 44 in part settlement, bascially the differen from the old chard to the new 12 pound one. Most my charges came in 2006 after the FSO said 12 is more fair. Today I have sent them a letter that i am not happy with the 44, but am will to take the 320 (i.e. no intreset) if they pay me wihtin 2 weeks. If not i will take them to court.

    I have seen a lot of people talkng about a number for the legal team, can someone post it here.

    Also have any of you tried to claim back you Paymen Break Plan cover?
    Originally posted by Welsh_Adey
    Hi,

    Have you got any contact names or numbers at monument please? I am still awaiting a DSAR reply ...
  • poisonivy
    Hi, Been having a read of the over posts.
    I am in the process of claiming from monument.

    Not sure I am doing it right tho. My charges are as follows:

    369.17 (Total spent on card)
    606.96 (Paid on account by myself)

    Charges:
    119.91 Payment Break Plan ??? (out of work, unable to claim on)
    168.00 Late Payment Fee
    420.00 Overlimit Fee
    315.81 Merchandise Interest
    1.65 Cash Interest.

    I know I can only claim for late payment fee and overlimit fee, and I have calculated these with interest to 638.66 I have sent the paperwork to Monument, they replied with : Bla Bla offer 204.00 and a new bill of 805.22 with Payment break plan on again.

    I am obviously wanting to refuse the 204.00 and preparing a letter, but does anyone know where I stand on this payment break plan, I have requested this to cover me being out of work and they inform me that that is not the case as I am in arrears. I have also requested that they stop charging this but was also told no. Why am I being charged this???

    Any advice on this would be really helpfull

    Thanks :confused:
  • CARLXXXH
    Hi, Been having a read of the over posts.
    I am in the process of claiming from monument.

    Not sure I am doing it right tho. My charges are as follows:

    369.17 (Total spent on card)
    606.96 (Paid on account by myself)

    Charges:
    119.91 Payment Break Plan ??? (out of work, unable to claim on)
    168.00 Late Payment Fee
    420.00 Overlimit Fee
    315.81 Merchandise Interest
    1.65 Cash Interest.

    I know I can only claim for late payment fee and overlimit fee, and I have calculated these with interest to 638.66 I have sent the paperwork to Monument, they replied with : Bla Bla offer 204.00 and a new bill of 805.22 with Payment break plan on again.

    I am obviously wanting to refuse the 204.00 and preparing a letter, but does anyone know where I stand on this payment break plan, I have requested this to cover me being out of work and they inform me that that is not the case as I am in arrears. I have also requested that they stop charging this but was also told no. Why am I being charged this???

    Any advice on this would be really helpfull

    Thanks :confused:
    Originally posted by poisonivy
    Hello Poisonivy

    Make sure you hang in there.

    Monument use a lot of stalling tactics, but you should get a full payout!.

    They paid my claim of 950.00 in full last month, although I had to issue legal procedings against them.

    Good Luck

    Carl
  • Welsh_Adey
    Hi,

    Have you got any contact names or numbers at monument please? I am still awaiting a DSAR reply ...
    Originally posted by HAVEFAITH
    Hi there,

    I have sent all mails to
    Monument
    Portland Building
    25 The High Street
    Crawly
    West Sussex
    Rh10 1BG

    From their replies, there is a number 01293 802473. Different people have been signing the letters.
    The 1st letter regarding getting my charges via the Data Protection act was signed by Penny Stringer
    The 2nd letter, where they offored me 44.00 (i put a calim in for around 400) was signed by Carole O'Neil.

    Regarding getting charges and PPI or as Monument call it Payment Break Plan have all gone to the same address. the 25 The High Street one.

    I will need to take monument to court or go via the ombudsman for my credit cards charges, but I have been offered 157.70 for my Payment Break Plan, becasue they said i accepted it via the phone on a certin date, but when i asked them for a copy of this call they could not find it, so offered me 157.70. Need to work out if this is the full amount, if not will need to decide

    So what to do...
    Hope this helps anyone!
  • getmefree
    Hi there,

    I have sent all mails to
    Monument
    Portland Building
    25 The High Street
    Crawly
    West Sussex
    Rh10 1BG

    From their replies, there is a number 01293 802473. Different people have been signing the letters.
    The 1st letter regarding getting my charges via the Data Protection act was signed by Penny Stringer
    The 2nd letter, where they offored me 44.00 (i put a calim in for around 400) was signed by Carole O'Neil.

    Regarding getting charges and PPI or as Monument call it Payment Break Plan have all gone to the same address. the 25 The High Street one.

    I will need to take monument to court or go via the ombudsman for my credit cards charges, but I have been offered 157.70 for my Payment Break Plan, becasue they said i accepted it via the phone on a certin date, but when i asked them for a copy of this call they could not find it, so offered me 157.70. Need to work out if this is the full amount, if not will need to decide

    So what to do...
    Hope this helps anyone!
    Originally posted by Welsh_Adey

    hi there

    I am planning on claiming from monument, sounds like a right pain!! Was just wondering if someone could help me...i plan on claiming back the usual charges AND the payment break plan if possible as I paid for it, went into hospital for an op only to be told it was not valid!! Do you have to specify you want to claim for this in the letter?

    Thanks
  • getmefree
    Also after the takeover, who should the 10 cheque be made payable to?

    Thanks
  • ncdbarton
    Just a quick update, as I have been sucsessful in claiming 500 from Monument which has been credited to the card account. However the account is still 400 in the red which I intend to pay off and close within the next few months.
  • maz1964
    hiya fantastic success, the amount you got im curious did you get the full overlimit and failed payments charges plus interest or only perhaps the charges of over the 12.00 and no interest or did you just get the full charges of 20.00 and the 12.00 but without any interest. was this without going to court or at least did you threaten court action

    pls update my amount i dont think as high as you but will have a few of the above 12.00 charges and a few of the 12.00 charges,

    should i just go for the full amounts plus interest in the first instance and then negoitiate will accept full amounts but without the interest, id rather the funds go directly to the credit card to decrease the amount.

    would appreciate your help

    have a fun day and ciao MAZ
  • hampsterpoo
    Just an update , on sunday I realised that I'd forgotton to include the 10 , due to the fact I was sending a stage 2 letter to citi at the same time as stage one to monument , anyway yesterday the kind people send me my statements and waived the 10 fee.
    I wonder if they will be so generous with my next letter.
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