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The Moneyshop Cash Til Payday - reclaiming charges?
AndyInYorks
Posts: 331 Forumite
Hi,
A while ago I was using this service, where you write a cheque for £50, they give you about £45 and then bank the cheque in a month's time. I know it was stupid and I've learned my lesson the hard way.
What I want to know it, I had 2 cheques bounce, and they charged me £50 in total for this. Would this be an unfair charge, and would I be able to claim it back? I would especially like to hear if anyone has already tried this and what the outcome was?
I do feel it was unfair to charge me this much because they phoned me and told me what had happened and I went into the shop straight away (5 minutes before they closed on Christmas Eve) and paid the amount I owed + the £50 fee, so it doesn't seem like a true reflection of their costs (1 phone call and whatever their bank charges are which I think would be a couple of pounds).
Opinions?
A while ago I was using this service, where you write a cheque for £50, they give you about £45 and then bank the cheque in a month's time. I know it was stupid and I've learned my lesson the hard way.
What I want to know it, I had 2 cheques bounce, and they charged me £50 in total for this. Would this be an unfair charge, and would I be able to claim it back? I would especially like to hear if anyone has already tried this and what the outcome was?
I do feel it was unfair to charge me this much because they phoned me and told me what had happened and I went into the shop straight away (5 minutes before they closed on Christmas Eve) and paid the amount I owed + the £50 fee, so it doesn't seem like a true reflection of their costs (1 phone call and whatever their bank charges are which I think would be a couple of pounds).
Opinions?
Happy New Year :beer:
0
Comments
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You would be better on the reclaim forum with this query. I expect someone will have been there before.If you've have not made a mistake, you've made nothing0
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