Simply be

TrishUK

I have received an email from Simply be after asking them to send a list of my charges. They said that my credit charges amounted to £125.50 which with the 8% interest would amount to £136.00 and that those are non refundable and also if i had any problems i should refer to the Financial Ombudsman.

What i would like to know is if we are able to claim credit charges on catalogues?

natweststaffmember

TrishUK wrote: »

I have received an email from Simply be after asking them to send a list of my charges. They said that my credit charges amounted to £125.50 which with the 8% interest would amount to £136.00 and that those are non refundable and also if i had any problems i should refer to the Financial Ombudsman.

What i would like to know is if we are able to claim credit charges on catalogues?

Tell them that while you are pleased that they are happy to inform you of your charges, you feel it appropriate to allow them one last chance to avoid litigation costs that they will incur having to deal with a county court claim if they are willing to settle the case now. Give them 7 days to respond and make sure you follow through on it.

TrishUK

natweststaffmember wrote: »

Tell them that while you are pleased that they are happy to inform you of your charges, you feel it appropriate to allow them one last chance to avoid litigation costs that they will incur having to deal with a county court claim if they are willing to settle the case now. Give them 7 days to respond and make sure you follow through on it.

I have been told that you can't reclaim credit charges made to an account. Is this true?:eek:

natweststaffmember

TrishUK wrote: »

I have been told that you can't reclaim credit charges made to an account. Is this true?:eek:

credit card charges? or catalogue charges?

TrishUK

natweststaffmember wrote: »

credit card charges? or catalogue charges?

Catalogue charges. My credit charges from my Simply Be catalogue amount to £136.00 including interest

natweststaffmember

TrishUK wrote: »

Catalogue charges. My credit charges from my Simply Be catalogue amount to £136.00 including interest

catalogue charges claims are the same as credit card charges.

TrishUK

natweststaffmember wrote: »

catalogue charges claims are the same as credit card charges.

This is the letter i wish to send off to Simply be. Can anyone tell me whether this is the right letter template.







Compliance Manager
Simply Be



Account number xxxxxxxx

I refer to default charges applied to my account amounting to £136.00 which I have requested you pay back.

I wrote to you on 5/05/09, making the original request for a payment in settlement of my claim. As I have not received a satisfactory response, I am writing to inform you I intend to claim the full amount claimed together with interest up to the date of judgment and court fees in the proceedings through the county court.

This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the court will rule in my favour.


Without prejudice
The charges and interest I have claimed above total £136. However, if you are prepared to pay to me £100 within 14 days of the date of this letter (and, for such purpose, time shall be of the essence), I am prepared to accept this lower figure in full and final settlement of my claim and interest.
I look forward for a full response to this letter within 7 days, otherwise I will commence court proceedings to reclaim my money.

Yours faithfully,

natweststaffmember

Not sure I would accept less than 100% but it seems ok with me. I would have written something like, "to save additional legal costs on your part, I would be willing to settle the claim for £xx.xx" or words to that effect