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Morning all, prior to going away tomorrow I have put together this little letter for Vanquis who are so far refusing to budge. My account is closed and is shown as settled after battling them and Lowlifes...any input be helpful before i send it.
Dear Sir or Madam,
Your Reference:
I refer to charges applied to my account amounting to £, which I have requested you pay back.
I wrote to you on 16th September 2015 making the original request for a payment in settlement of my claim. As I have not received a satisfactory response via your letter dated 22nd September 2015, I am writing to inform you I intend to claim the full amount together with interest up to the date of judgment and court fees in the proceedings through the county court.
I am fully aware that the fees which you have been applied to my account were unlawful at Common Law, Statute and recent Consumer regulations. Should you wish to argue that they are not, then you will pleased to demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my alleged breach, in order to reassure me that your penalties really do reflect your costs.
I have attached a full schedule of the charges with this document.
It is my duty to remind you that failure to refund the charge to my account will result in my issuing a County Court claim. If I have to do that, you will then become liable for my court fee and statutory 8% APR (might be 39% not sure) to be detailed in Particulars of Claim, I truly hope this does not have to happen and that you will refund the charges without need for further action on my behalf.
This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the court will rule in my favour. As I am sure you are aware, the office of Fair Trading also stated in its April 2006 statement into credit card charges that it considers charges are at a higher level than is legally fair.
I look forward to a full response to this letter within 14 days, otherwise I shall commence court proceedings.
Yours Sincerely,
Thanks in advance.
Dear Sir or Madam,
Your Reference:
I refer to charges applied to my account amounting to £, which I have requested you pay back.
I wrote to you on 16th September 2015 making the original request for a payment in settlement of my claim. As I have not received a satisfactory response via your letter dated 22nd September 2015, I am writing to inform you I intend to claim the full amount together with interest up to the date of judgment and court fees in the proceedings through the county court.
I am fully aware that the fees which you have been applied to my account were unlawful at Common Law, Statute and recent Consumer regulations. Should you wish to argue that they are not, then you will pleased to demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my alleged breach, in order to reassure me that your penalties really do reflect your costs.
I have attached a full schedule of the charges with this document.
It is my duty to remind you that failure to refund the charge to my account will result in my issuing a County Court claim. If I have to do that, you will then become liable for my court fee and statutory 8% APR (might be 39% not sure) to be detailed in Particulars of Claim, I truly hope this does not have to happen and that you will refund the charges without need for further action on my behalf.
This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the court will rule in my favour. As I am sure you are aware, the office of Fair Trading also stated in its April 2006 statement into credit card charges that it considers charges are at a higher level than is legally fair.
I look forward to a full response to this letter within 14 days, otherwise I shall commence court proceedings.
Yours Sincerely,
Thanks in advance.
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