can i claim the admin fee from catalogues

System

esmerellda wrote: »

Admin fees are catalogue companies wording for interest charges. These are only claimable via the CCA route to show there was no agreement enabling them to charge interest. (ie send them a request for your consumer credit agreement then negotiate a settlement of the amount you have spent less the interest you have paid - IF there is no agreement)

The fees you can simply claim back are those for late payment as they are deemed penalties. JD Williams group companies will repay these, in the main, before having to take them to court.

So check which kind you are trying to reclaim firstly.

Well this catalogue was only taken out in 08 I think, so does this mean I cant claim?

esmerellda

What kind of charges are they ?

Monthly Admin Fees (AKA interest) ? or the odd late payment charge ?

longhauladdict

Hiya

I've got the same issue, but with la redoute? They have declined to pay the late charges back, do I now just refer to the FOS the same as credit cards?
they were regulated at the time of the charges and also have deemed that they have issued their final response?

Thanks

xx

System

esmerellda wrote: »

What kind of charges are they ?

Monthly Admin Fees (AKA interest) ? or the odd late payment charge ?

Admin fees £12

jadesarah1

nirelandguy wrote: »

Admin fees £12

I am in process of reclaiming charges fron Graet universal and so i will keep u up to date .

mumofthreeboys

hi all, just wondered if anyone can help me. i sent all my list of charges to shop direct and got the usual reply about it being stated in terms and conditions, and they would not refund my admin charges, but after lurking on here ive seen some people have still been successful in their claims, my only problem is its been over 6 months since i recieved my last reply from them, so is it too late to do anything ele about my charges now ?

Kilmaley01

MumofThree...I am the same as you, I had a letter from them back in November, after having sent them the first two letters requesting the charges back. They refused back then and I've not done anything about it, simply because we've had a whole load of other personal issues going on. Anyhow, I could really do with this money now and it's nearly £400. Anyhow know what my next step is after those two letters I previously sent, or do I have to start again from scratch?

Gromit

Kirsty2010

I have a JDWilliams catalogue account, everything was going fine with it until they didn't send out statements and i couldn't pay online for some odd reason, and items were being left at the front of my house and were being stolen, and they were still trying to charge me for those!
My balance was at £183 last year so i wrote a letter to them offering £150 i never heard back from them. I rang up today to ask if it was received they said no, they are also sending me out two letters a week and charging me £12 each.
So due to the charges my balance is now £399.10. They will not accept £100-150 as a settlement fee; they will accept £300 only.
I lost my job in November and i am on income support now so i can't afford anything more.
Can i claim these administration charges back? And is there anything else i can do to get them to accept my offer? as i am in debt with other creditors not just them.

Bubbles1

Great advice all thank you...

mattblue

Hi Guys,

Just about to get round to getting some charges back from these guys...re the following in red - could someone advise what I change the bank part to please ? - also does anyone have an address for great universal or is it the one on my statement

Many Thanks Matt

Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.

Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you.
The Subject Access is not limited to my transaction history and it is not limited merely to 6 years of historical information.
Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them.

As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject access request, I shall also be reclaiming the enclosed £10 Data Protection Act subject access request fee.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable