can i claim the admin fee from catalogues

dariowiser

I would definitely try and contact Studio on her behalf. I have sent late payments to them before and I have never got charged that much - think about £12.00. I sent them a email recently saying I hadn't received my most recent statment (only £40.00 outstanding) and they put the account on hold with no charges until they sent out a duplicate.
Hope you get it sorted for your friend.

Ex-Spendaholic

Absolutely disgusting but not at all surprising where Studio are concerned. :mad:

Don't let this drop.

sarahblue_2

how can they charge fees for prepaid orders?

merlinormartin

she ordered the xmas lights,,the lights arrived ...then she had a certain amount of time to either pay in full or may the minimum payment..she paid the amount in full using postal orders but the payment didnt clear until 3 days after their "pay by date" .. hope that makes sense lol .. i have wrote a "debt in dispute" letter to the debt collection agency ... do you think it looks ok?

Dear Sir/Madam,

Re:- Client Reference 00000000


Thank you for your letter on 01/07/08 , the contents of which are noted.

I am disputing the total value of these debts with Studio Cards & Gifts due to the outstanding balance of £108.82 being wholly made of unlawful and unreasonable charges; the original balance of £20.00 was paid in full before the first “late letter” from Studio Cards arrived. Therefore, I consider this account to be in dispute and no further action or payment shall be made until this matter is resolved.

I hope that you will enter into a sincere dialogue with me about this matter.

I look forward to hearing from you in writing.

Yours faithfully
name!

fiveyearplan

I don't see how they can justify £108 charges on a £20 account.

Superheavy

fiveyearplan wrote: »

I don't see how they can justify £108 charges on a £20 account.

I'm pretty certain it hasn't cost them £108 because it was slow in clearing....

Tozer

merlinormartin wrote: »

she ordered the xmas lights,,the lights arrived ...then she had a certain amount of time to either pay in full or may the minimum payment..she paid the amount in full using postal orders but the payment didnt clear until 3 days after their "pay by date" .. hope that makes sense lol .. i have wrote a "debt in dispute" letter to the debt collection agency ... do you think it looks ok?

Dear Sir/Madam,

Re:- Client Reference 00000000


Thank you for your letter on 01/07/08 , the contents of which are noted.

I am disputing the total value of these debts with Studio Cards & Gifts due to the outstanding balance of £108.82 being wholly made of unlawful and unreasonable charges; the original balance of £20.00 was paid in full before the first “late letter” from Studio Cards arrived. Therefore, I consider this account to be in dispute and no further action or payment shall be made until this matter is resolved.

I hope that you will enter into a sincere dialogue with me about this matter.

I look forward to hearing from you in writing.

Yours faithfully
name!

Good letter.

I would add a paragraph stating:

You will be aware of the recent publicity regarding penalty charges being unenforceable under English law. Clearly, the charges which you purport to apply are not a genuine pre-estimate of the loss likely to be suffered by a breach (paying 3 days late). Accordingly, they are unreasonable and unlawful. Further, or in the alternative, any terms and conditions which you purport to rely on in relation to the imposition of such charges would be subject to the Unfair Terms in Consumer Contracts Regulations. I have absolutely no doubt that they would be deemed unenforceable.

Regarding the Data Protection point - give them a signed authority from your friend authorising you to deal with the matter on her behalf.

Outrageous bullying tactics. She should under no circumstances pay.

jenlacey1984

Yay! Just wanted to let everyone know that after reading all these threads i decided to try and claim some charges back from some of my catalogues....(i had lots....bit foolish a few years back!).

Good News

Studio refunded all my admin charges totalling £285! They have taken it off the balance outstanding so my debt with them is now £65 :j


Capital One have refunded our charges totalling nearly £1000, clearing the outstanding balance and leaving us with roughly £350 in our pocket to pay other debts off :j


Bad News

Simply Be / Viva La Diva / Crazy Clearance all sent letters back telling me that they deem the charges to be fair......they seem to think £12 is in line with OFT guidelines. The funny thing is, they have charged me £12.......twice on one day everytime they have put charges on my account! So, in reality they have actually charged me £24! Crafty huh?! :mad:


Littlewoods are still not relenting.....:mad:


Citi Financial have declined my request of a refund on my husbands PPI claim on a personal loan. Although in the army he was still sold PPI even after telling the muppet that it would be very unlikely my husband would lose his job.......in the current circumstances of the war in Afgan he is more likely to lose his life than his job! :mad:

All we need now is our bank charges back and we could be debt free......the thought fills me with excitement.....bit like an overgrown child in the Cadburys Factory! :rotfl: :j

MandyLou66

Hi jenlacy! Where did you send your studio cards request to? I sent one in with my last months payment with the £10 chq and they just took it of the balance along with the payment!! No mention of the SAR request at all !

dmbaxt

So after reading this thread from start to finish a couple of times I have taken the plunge and emailed Studio Cards for a list of Administration Charges (their name for late payment fees!!).

I've had a look at my online account and the last thing I bought from them was in 2005, yet I still owe them over £500 :eek: . I think they've charged me £20 pretty much every month this year alone. I still haven't received my statment for this month and that's due to be paid soon so that'll be another £20 if I'm late paying because I haven't received the statment again!

I just hope they won't close the account and ask for the full amount back because I'm making a claim :rolleyes: