can i claim the admin fee from catalogues

militantconsumer

Yes. All in one letter.

siobhan.higgins

I'm new to all this but am about to start reclaiming credit card charges with the help of MSE. I was wondering if the same rules apply to Catalogue accounts? I have 2 catalogues and have been charged £12 four times by one of the catalogues for late payment fees and a few times by the other.....would I be able to reclaim these charges as well?

Many thanks in advance:o

KatieShopstoomuch

Hi there, i'm going to attempt to claim back catalogue charges, however three of the accounts i had have now been closed. These are with Great universal, studio & Abound (which i think is now additions?)

I have no record of the account numbers, is there anyway i can get these? I have telephoned great universal and the girl said i have never had an account universal, trust me i really did i remember paying it all off! How can i get this information?

Also i have a current littlewoods account however years ago i had one that was closed after i paid it off. Can i reclaim the charges on the old account?

TIA for any help

KatieShopstoomuch

Apologies if this has been posted before couldn't find any help when searching , i had replied asking this in the catalogues thread but thought i would also ask here.

Who or where do i go to, to find out account numbers that have been closed? I have tried phoneing great universal as i had an account with them about 3 years ago but they insist i didn't, i really did though i'm not that insane just yet. Also i have an account opened with littlewoods but had an older account years ago which has been closed can i get the account number of that too?

Last question! I had an account with capital one :mad: Stupidly i ran up debt with them as my limit was £200 but i went over and ended up being passed to a debt collection agency as i have around £200 in charges it just spiralled out of control and i was unable to meet the minimum repayments so i got more and more charges etc. Anyway i paid the balance on this and the account was closed, now about 3 years later i have a capital one card again however it is a different account number, is there anyway i can get the number of the old previous closed account? And would i be able to claim back the charges from it??
TIA for any help

natweststaffmember

KatieShopstoomuch wrote: »

Apologies if this has been posted before couldn't find any help when searching , i had replied asking this in the catalogues thread but thought i would also ask here.

Who or where do i go to, to find out account numbers that have been closed? I have tried phoneing great universal as i had an account with them about 3 years ago but they insist i didn't, i really did though i'm not that insane just yet. Also i have an account opened with littlewoods but had an older account years ago which has been closed can i get the account number of that too?

Last question! I had an account with capital one :mad: Stupidly i ran up debt with them as my limit was £200 but i went over and ended up being passed to a debt collection agency as i have around £200 in charges it just spiralled out of control and i was unable to meet the minimum repayments so i got more and more charges etc. Anyway i paid the balance on this and the account was closed, now about 3 years later i have a capital one card again however it is a different account number, is there anyway i can get the number of the old previous closed account? And would i be able to claim back the charges from it??
TIA for any help

I would send a Subject Access Request to both companies giving the details of the cards that you have with associated addresses. If you have paid the cards from the account then your bank statements may hold the clues to them. If they were with Direct Debits then the reference number for the DD would be the credit card/catalogue account number.

KatieShopstoomuch

OK Thankyou i'm just going to look for this online. Unfortunately i only paid at my bank, not through my account and paid catalogues at post office so i've no record of it at all

IcklePickle_2

I got this SAR template from a post on here.

Subject Access Request

Dear

Re: Account number:

In the first part under the Data Protection Act 1998:

Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts, please supply me with a complete list of transactions and charges relating to the above accounts held with you since they were opened.

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 business with you.

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


For the avoidance of any and all doubt, I reiterate:

I hereby request that you supply me with any and all historical data in your possession which, in any way appertains to me, including (but not exhaustively) a copy of the original signed executed agreement; statements of account; duplicate statements and/or print outs of all account transactions; all internal and external correspondence sent or received by you including memo’s, logs, notes, screen prints and transcripts; notes of manual interventions such as telephone attendants' notes, copies of stored telephone conversations, internal and external emails; any other information held on any/all types of media in any relevant filing system (microfiche included).

If you have disclosed any information to a third party (with or without my express permission), will you please include details of this in your reply, along with notes of any legal action passed or pending (to include a true copy of default notices, court orders and the like).

Where any information that you provide includes any charges, for example returned payments, late payment fees, and so forth, would you please advise your breakdown of actual costs (liquidated damages) incurred for each charge, and the Term or Condition on which you rely upon to claim such a charge.

I also require that you forward, within the above mentioned time scale, a true copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions.

I enclose the statutory maximum fee of £10.00 to access ALL data held by XXXXX about myself. You should be fully aware of your statutory obligations under the Data Protection Act and that any failure to comply with this request will involve a complaint to the ICO as well as potential legal action.

You have 40 days in which to comply with this request.

This communication has been sent Recorded Delivery so I can ensure compliance on these issues within the legislative timeframes.

Yours Sincerely

IcklePickle_2

If you give your name, previous names, address, previous addresses and date-of-birth, they should be able to trace your account/s.

KatieShopstoomuch

Thanks very much i'll use this template letter after lots of scrambling around old accounts and email accounts and paid cheques from back in 2005 i've managed to find 3 of my account numbers so i just need one from one company now, so i'll give this letter a go thankyou very much

Rosie2404

Hi
Im not sure if Im in the right section so I'll apologise if Im not!
How do you claim from catalgoues - just had telephone call with Additions and they said there is no way they will reimburse any of the charges as they are in the terms and conditons and as I signed and agreed to them in the first place it was tough!! I said to him that they could be reclaimed in the same way as the bank charges claims and he said they couldnt. What do I do now please? Has anyone had any luck claiming from Additions/Littlewoods and if so how did you do it please?
Thanks for your help.