Debenhams Account Cover

yelah4u

:mad::mad::mad:I have received a list of charges from Santander from account cover that was put on a Debenhams store card in 1994. The charges that they provide go back until October 2003. I have calculated that the charges alone since 2003 which are £2247.21 means that with interest charged as per the credit agreement of 25.9% are £9631.94. Debenhams can also confirm that in total they charged £4455.18 in total in account cover, but cannot provide a list of each transaction that means that £4455.18 - 2247.21 = £2207.97.

That there is another £2207.97 in account cover not accounted for. I have added this into my calculation as been charged in September 2004 because I don't know how much was charged and when this gives another £12779.00 that is due in interest. Total amount £24,618.91 and there there is the statutory 8% on top of that, so it's going to be a large claim.
Anyway Debenhams have said no - final response. And referred me to the FLA. From what I have heard the FLA are pretty unhelpful, so I was considering taking this to court. Obviously this will not be allocated to the small claims, so does anyone know what sort of fee's I would be looking at? Or can anyone suggest what I could do next. If it went from the FLA to the FOS would the FOS award the higher amount of interest at 25.9% as stated on the credit agreement (which I have)? Any advice on my next steps would be gratefully appreciated. Thank you.

yelah4u

O.K. so I went to see the duty solicitor and showed him the paperwork and agreement that Santander had sent. He thinks that they have no case to answer and should pay up , as the account cover part of the agreement is ticked and signed by "Audrey" (the sales assistant). He also says that the other comments in their fob off letters are "jibberish" and they have not addressed the points that I raised sufficiently. He also suggested that I send them a letter before action. Does anyone have any ideas if there is anything in particular that I should write?