reclaiming late fees etc from british gas - help with letter please!

brightonman123

looking to do a similar reclaim letter as for the bank charges-
http://www.moneysavingexpert.com/reclaim/bank-charges

Does anyone know how I amend the bit (in red) relating to Bank lending code, to relevant (Ofgem?) rules?

I have got list of the charges already... many thanks.

draft letter below..


[FONT=Arial, Arial, sans-serif]FINANCIALHARDSHIP – CHARGES RECLAIM[/FONT]


[FONT=Arial, Arial, sans-serif]Accountnumbers ....[/FONT]

[FONT=Arial, Arial, sans-serif][insertthe number of the account you are writing to reclaim from][/FONT]


[FONT=Arial, Arial, sans-serif]Iam writing to request that you repay all the late payment charges,agent visit fees etc, in relation to the above utilities, whichhave been applied to my account in the past six years.[/FONT]

[FONT=Arial, Arial, sans-serif]Ibelieve the fact that I have been incurring extra charges goescontrary to the aims of the Lending Code (Section 9) and BankingConduct of Business Sourcebook (section 5.1.4‘in particular, a firm should deal fairly with a customer whom ithas reason to believe is in financial difficulty’). [/FONT]

/\/\/\/\/\/\/\ ??? /\/\/\/\/\/\

[FONT=Arial, Arial, sans-serif]Mypersonal situation has been affected by the ongoing charges leavingme in financial hardship, [/FONT][FONT=Arial, Arial, sans-serif]andI am writing to request that you take the following grounds intoconsideration:[/FONT]

[FONT=Arial, Arial, sans-serif]Iam currently unemployed, and was previously out of full timework, from 2008 to 2011. [/FONT]

[FONT=Arial, Arial, sans-serif]Iam struggling to meet very basic necessities- such as the rent,council tax, food, and utility bills. [/FONT][FONT=Arial, Arial, sans-serif]Theonly income I have at present is £71.50 from weekly JobseekersAllowance.[/FONT]

[FONT=Arial, Arial, sans-serif]Theamounts you charge extra are, I feel, disproportionate and do nottruly reflect the actual cost of administering myaccount, or sending collection agents. [/FONT]

[FONT=Arial, Arial, sans-serif]Mostof what I can afford to pay towards my gas and electric bills areeaten up by the extra charges you are adding. [/FONT]

[FONT=Arial, Arial, sans-serif]Ifeel I am stuck in a cycle of ever increasing debt, with charges uponcharges, which may affect my eligibilty to find work (credit checksetc), in order to get more available income to pay my bills.[/FONT]

[FONT=Arial, Arial, sans-serif]Thecharges total £[insert total of allcharges] andI ask that you repay me the full amount. [/FONT]


[FONT=Arial, Arial, sans-serif][Usethis sentence if you want to include interest or delete][/FONT]

[FONT=Arial, Arial, sans-serif]Plusas I believe I have been unfairly deprived of the money I havecalculated £[insert total of interest]interest at the statutory rate, the amount a court would awardand I ask that this be added to my claim to give a total of£[insert total of charges plus interest].[/FONT]


[FONT=Arial, Arial, sans-serif]Ihave attached a full schedule of the charges with this document –see copy of charges enquiry reply letter, dated XXXX from yourselves.[/FONT]


[FONT=Arial, Arial, sans-serif]Ilook forward to a full response to this letter within 14 days and ifI do not receive a satisfactory response I intend to pursue mycomplaint to the Financial Ombudsman Service or small claims court,as appropriate.[/FONT]


[FONT=Arial, Arial, sans-serif]Yoursfaithfully,...[/FONT]