My son ordered a laptop from Dell and selected to pay on credit, when the paperwork arrived I took one look at the 30% interest rate and told him to cancel, which he did by phone. He then re-ordered the laptop and I paid on my debit card (he will pay me back - honest).
One laptop duly arrived but the following month Dell took a payment from his bank account by Direct Debit, I confirm he did not return a signed credit agreement, nor did he fill in and sign a direct debit form, I can only assume they have taken this money on a previous direct debit from items he had bought previously.
I immediately sent them a letter outlining their error and yesterday he received a letter from them saying the bank had informed them the direct debit had been cancelled and he must make payment immediately, would be charged £15 for not making the payment on time and threatening him with a DCA if he didn't pay.
I want to phone them today as my last letter has obviously been ignored and we obviously follow up this phone call with another letter.
Opinion on a couple of issues if you could:
1. Are they acting illegally taking money out of his account without consent?
2. Can I claim interest at 30% on the money they have for the time they hold it? If so, how the hell do I work out what that interest is?
Many thanks xx
One laptop duly arrived but the following month Dell took a payment from his bank account by Direct Debit, I confirm he did not return a signed credit agreement, nor did he fill in and sign a direct debit form, I can only assume they have taken this money on a previous direct debit from items he had bought previously.
I immediately sent them a letter outlining their error and yesterday he received a letter from them saying the bank had informed them the direct debit had been cancelled and he must make payment immediately, would be charged £15 for not making the payment on time and threatening him with a DCA if he didn't pay.
I want to phone them today as my last letter has obviously been ignored and we obviously follow up this phone call with another letter.
Opinion on a couple of issues if you could:
1. Are they acting illegally taking money out of his account without consent?
2. Can I claim interest at 30% on the money they have for the time they hold it? If so, how the hell do I work out what that interest is?
Many thanks xx
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