Quote:
Originally Posted by Scarlett
You need to go back to them pointing out that you only want the details of the charges and not the actual statements.
As for me Company A have responded again, they've obviously actually looked at my account this time because the threat of legal action is reduced to 'if you take it to court then we'll apply for instant dismissal and come after you for our costs...' and an offer of £4 for each £20 charge they applied (as they claim they have reduced their charge to £16 and the OFT is happy with this)
Looks like this one's going the distance. They are still stating that these are fair charges to recover there costs of adding a single line to my statement each month that they don't event print out (just email me to say the statement was ready) the amusing thing was all the justification they have previously provided for the £20 penalty charge consisted of them having someone to call me if the monthly payment didn't make it to them. Nothing whatsoever to do with going over my limit.
The big argument going back is that at one point in the past I had account cover on the card. I forgot about this but my card reached a point at which the account cover + monthly interest > minimum payment. when did they finally call me about this ? (what I apparently pay £20 each time for!) Only once the monthly payment failed to bring me back under the credit limit, not before. I believe that in this instance alone they had £100 over 5 months and although I was unhappy at the time, they refused to discuss any refund as "It is the customers responsability to monitor their account." So on one hand we have that your paying £20 because they have to employ people to monitor your account and on the other it my responsability to monitor the account. I'm going to court with this to contest that the only justification is that I should pay extra for the privilidge of having someone call me if my payment doesn't make it to them. Considering the rest is pretty much automated what were they doing with my interest payments all the time I was with them ?
Legal action starts on Friday as that was the dead line that they were given in my last letter. If once this is done and dusted I am able to reveal who company A is I will but I suspect that even If I win I will be forced to agree not to say as part of the agreement  |
The OFT is not "happy" with £16.00 charges. They cannot force a non-disclosure on you as part of the settlement. I don't see why you just don't name "Company A". Someone may have prior experience of nailing them which could prove useful to you in bringing them to their senses. Additionally I think the OFT have a right to know that companies are now stating that they (the OFT) are happy with £16.00 charges.
Hold your nerve - unless you're talking hundreds of thousands in charges you are 99.99% certain not to see the inside of a court over this.