We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
How to claim back charges/fees?
Options
Nemodot
Posts: 14 Forumite
Hi I did a balance transfer to Asda Money credit card in January at 0% with a 3% fee. I looked at my Feb statement and it said the min payment would be taken. Good I thought. Everything ok. Until I had a credit file warning via clearscore.
I have been busy working, been overseas for work, and just found out I have been charged a default fee of 12.50, but worse had the 0% offer rescinded and now I am on a standard balance rate - and no refund of the 3% fee! I asked why and they said I would be taken to court for non payment.... I checked my statements no direct debit. Asda said they cancelled the direct debit! I immediately paid the outstanding balance and complained. A week later I have heard nothing and basically they seem to be saying "go away".
What are my best legal options? I have a copy of my statement saying the direct debit was in place fro February 2019 and online also a screen shot saying it was in place (Asda claim they wrote to me saying they had cancelled it - I can't find any such letter) and want my 3% back of the deal back. Small claims court? Financial ombudsman?
Of course this has seriously impacted my credit file.
I have been busy working, been overseas for work, and just found out I have been charged a default fee of 12.50, but worse had the 0% offer rescinded and now I am on a standard balance rate - and no refund of the 3% fee! I asked why and they said I would be taken to court for non payment.... I checked my statements no direct debit. Asda said they cancelled the direct debit! I immediately paid the outstanding balance and complained. A week later I have heard nothing and basically they seem to be saying "go away".
What are my best legal options? I have a copy of my statement saying the direct debit was in place fro February 2019 and online also a screen shot saying it was in place (Asda claim they wrote to me saying they had cancelled it - I can't find any such letter) and want my 3% back of the deal back. Small claims court? Financial ombudsman?
Of course this has seriously impacted my credit file.
0
Comments
-
Always FOS. .0
-
Did they give any reason as to why they had cancelled it?"Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."0
-
I would complain in writing, to Asda in the first instance. Include your supporting evidence with your complaint. (ie. the statement that showed the DD in place and the screenshot too). Also mention that you never received a letter from Asda informing you that the DD was cancelled by them.
Only if the outcome is unsatisfactory would I escalate the complaint to the FOS.I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
0 -
I asked why and they said I would be taken to court for non payment....
And this was there initial customer service response, or the resut of a protracted argument ?
Willintolearn provides the way forward above, complaints handlers have much more discretion than call handlers do.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
I have complained in writing, heard nothing back and customer service is basically non-existent. I presume then I wait 2 weeks than Financial Ombudsman complaint?
The reason they gave for cancelling the DD was "lack of usage of account" but they seem to have very bad systems as the statement says it was in force.
Anyone considering ASDA Money beware!0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.7K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards