store cards

Ex-Spendaholic

I've had that letter too from GE with regard to a B&Q account. The other B&Q account - they haven't even responded to letter 1 so are getting letter 2 sent to them tomorrow.

I would keep at them.

vixsta7

Hi,

I really need some help if possible, I have been going down the reclaiming charges route with one of my store cards. I have been offered a partial offer £112 which is no where near the £1020 I am trying to claim back.

Does anyone know of a draft letter I can use to refuse this offer and what to do next?

Any help or advice would be most appreciated!

S4R4H

Can I ask you who the store card provider is?

S4R4H

I would probably send something along these lines.

Dear Sir,

RE. ACCOUNT NUMBER ETC

Further to your letter of (DATE), concerning the above account.

I am extremely dissapointed to note that your settlement offer is only a tenth of the charges applied to my account and I wish to inform you that such an offer will not be considered.

To this end, I now request the full amount claimed, £1020.00 in full and final settlement to be forwarded to me within fourteen days. Once this time period has elapsed, I shall be lodging a case with MCOL for full recovery of the aforementioned charges, together with any and all court costs, fees and interest accrued.

I sincerely hope that such action will not prove necessary and look forward to receiving your cheque by return.

Yours sincerely,


Etc, Etc, Etc.

vixsta7

Ah thanks so much this is really helpful I really appreciate your time.

Going to get this sent off tomorrow and hope for a better offer!! Its with Barclays Partner which was previously Clydesdale financial.

vixsta7

Letter went on 11/09, no reply as yet so I'm putting aside some money as I can see this going via the MCOL route!

vixsta7

Recieved letter today this time offering an aditional £512 - but still not writing all of the charges off and still a fair way off the £1020. Should I accept this or send another letter, or should I MCOL? I'm confused?

Thanks

Ex-Spendaholic

I would still send another letter before I would go the route of costing myself money. Is this still GE you are fighting?

vixsta7

Hi, no its Barclays Partner finance and I think your right as I could do with it costing me as little money sa possible, im not even bothered about getting the full amount I just want the account paying off.

robbo_1983

Hi people,

my partner has a store card with GE Capital. she bought stuff on it a few years ago to the value of about £80. since then she has missed payments due to commitments elsewhere and been charged for it. she has paid back about £150 over these 2-3 years but the bill still stands around £220 due to these late payment charges!! when she phoned them and explained she is a student and could they freeze the interest and late payments and arrange some sort of payback scheme they said no!!!! i think its ridiculous that she only spent £80, has paid back £150 but still owes over £200. is there anything she can do to stop these robbing idiots because in my eyes £150 paid back for £80 lent is nearly 100% profit and i dont think they deserve any more!!! any advice or info would be much appreciated

thanks, Rob