tesco take more than agreed

chris1804

i need some advice,

does anybody have any templates for a complaint letter to send off to a loan compnay,

reason being i contacted tesco in january about lowering my payments and we agreed that i pay £120 starting febuary for 6 months they sent me a letter in the post to confirm this, come febuary they charge me £253 (my old DD) i contacted them up and they said orry well refund you the diffrence, they then said well that £120 for 6 months starting march, they also sent me a letter out to confirm this, suprise suprise i look at my online banking and tesco have taken £253 out, ill be on the phone first thing tomorrow

is there anythink i can ask and get them to do for the trouble they have caused?

opinions4u

Dear Tesco.

On dd/mm/yy I rang you and you agreed to collect £xx.xx.

Unfortunately you collected £253.00 in error.

I rang you again on dd/mm/yy and you agreed to put things right. In March you made the same mistake. It it very frustrating.

Please can you put this right, make sure that it doesn't happen again and compensate me for the difficulties this has caused me.

chris1804

heers for that, does anybody know the complaints address for tesco loans?

or do you think i should send it to the address were the conformation letters came from (might be the same address as complaints address) i dont know

YorkshireBoy

chris1804 wrote: »

heers for that, does anybody know the complaints address for tesco loans?

or do you think i should send it to the address were the conformation letters came from (might be the same address as complaints address) i dont know

http://www.tescofinance.com/personal/finance/help/complaints-process.html (see "how and where to complain to")

Premier_2

chris1804 wrote: »

i need some advice,

does anybody have any templates for a complaint letter to send off to a loan compnay,

reason being i contacted tesco in january about lowering my payments and we agreed that i pay £120 starting febuary for 6 months they sent me a letter in the post to confirm this, come febuary they charge me £253 (my old DD) i contacted them up and they said orry well refund you the diffrence, they then said well that £120 for 6 months starting march, they also sent me a letter out to confirm this, suprise suprise i look at my online banking and tesco have taken £253 out, ill be on the phone first thing tomorrow

is there anythink i can ask and get them to do for the trouble they have caused?

If Tesco have taken by DD more than was advised, then contact your bank and ask for an immediate refund in full under the terms of the DD guarantee.
Tesco should not be refunding you outside of the DD scheme. Your bank is responsible for refunding you and will then collect the money from Tesco

(You should, of course, contact Tesco to discuss how the money you actually owe should then be paid)

You also ask about claiming other money. Well if you can demonstrate losses due to Tesco taking more than advised, then you can also claim consequential losses under the DD guarantee. Again, this is claimed from your bank, but your bank is not obliged to refund consequential losses immediately, rather to refund you once they receive the same from Tesco (which should usually be within 14 days)

If you haven't actually suffered any financial loss, it is unlikely you'll get much and requesting it may simply appear opportunistic in nature.