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Credit Solutions DCA Referal Fee?????


bongobaz

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I sent a dpa request to Credit Solutions who have bought an old Egg debt i had.

 

The information back shows a £472.2 O/S Ref. Fee on there so called statements.

 

Any idea if i can claim this back???

 

Thanks

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I sent a Data Protection Act request to Credit Solutions who have bought an old Egg debt i had.

 

The information back shows a £472.2 O/S Ref. Fee on there so called statements.

 

Any idea if i can claim this back???

 

Thanks

Write and ask them what it is - and then you know the rest!:)

Consumer Health Forums - where you can discuss any health or relationship matters.

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I think Credit Solutions automatically slap on a fee which they expect the debtor to pay.

 

can they justify a fee so large to say they bought the debt for peanuts!!!

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I would argue the following.

 

1. It is an unfair practice to claim these costs in the absence of express contractual or other legal provision.

 

2. It is an unfair practice to mislead you into believing that you are liable to pay these charges when it is not the case, e.g. when there is no contractual provision.

 

3. the application of any unreasonable charges are unfair (e.g charges not based on actual and necessary costs)

 

4. it is an unfair practice to apply a charge which is disproportionate to the main debt.

 

complain to the, the credit services association, the oft, trading standards. everyone!!! haha :)

 

ps - i found some contact details if you need 'em.

 

Credit Solutions LtdCapella CourtBrighton RoadPurleyCR8 2PG

Telephone:0870 3000 599Facsimile:0870 3000 589E-Mail:[email protected]Website:Credit SolutionsRegion:SEServices:ABCEGIMTZAreas Covered:Type of MembershipGroupContact Person:Mr W Pierce

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Back in 1998. Way before this site and before we knew our rights, I think I paid Credit Solutions a £250 fee which they added on to my Amex account.

 

Do you have any of the documentation relating to this? If so you may be able to recover it even though it's more than 6 years ago.

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Do you have any of the documentation relating to this? If so you may be able to recover it even though it's more than 6 years ago.

 

No documentation I'm afraid. Record keeping was never my forte. I defaulted for £5,400ish and I remember CSL being insistent on me paying at least their £250 fee first.:rolleyes: Then when I managed to chase up some companies that owed me money for over 9 months I paid CSL in full within a couple of months. One thing I do remember was the telephone hell that they put me through.:mad:

23/05/06 DPA Sent to Halifax

I Love You All :D

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No documentation I'm afraid. Record keeping was never my forte. I defaulted for £5,400ish and I remember CSL being insistent on me paying at least their £250 fee first.:rolleyes: Then when I managed to chase up some companies that owed me money for over 9 months I paid CSL in full within a couple of months. One thing I do remember was the telephone hell that they put me through.:mad:

 

Yes, they are/ were quite persistent. I remember them ringing my mobile every 10 minutes one day several years ago. In the end I just turned the phone off.

 

If you still had the paperwork you might have been able to argue that the charge wasn't subject to the Limitation Act because they should have known it was unlawful or they made a mistake (two specific exemptions to the normal 6 year rule). You could go down the SARN route but I suspect that they would say that they don't have any records that far back.

 

I wouldn't normally suggest doing this for a relatively small and quite old sum but this company deserves to be put through the seven levels of hell whenever an opportunity presents itself to do so.

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  • 1 month later...

ok i have had no reply to my request for a breakdown or explanation of there charge??

any ideas what is best route now???

prelim then lba?????

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Send them a prelim letter asking for the charges back since they have failed to respond with an explanation. If they cant explain it, you dont have to pay it. Chances are, even if they can explain it, it will no doubt be unlawful charges.

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ok i have sent a prelim on 2/1 and deadline is 16/1 and still had no response!

 

do i then on 16/1 go ahead with the lba then if nothing heard go to mcol??

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ok i have sent a prelim on 2/1 and deadline is 16/1 and still had no response!

 

do i then on 16/1 go ahead with the lba then if nothing heard go to mcol??

 

Yes. Just checking though- is there an outstanding balance on your account to be paid or is it all cleared?

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Yes. Just checking though- is there an outstanding balance on your account to be paid or is it all cleared?

 

there is an outstanding balance of about £1000 from the original debt i had that credit solutions bought for £400 odd quid!!!

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ok ive had a reply to mye prelim i sent!

 

they say the charges are stated in my terms and conditions???

 

am i right in thinking that since the debt was sold to credit solutions that the original terms and conditions i signed for with the original credit card dont apply?? as i sign an agreement with the credit card company not credit solutions???

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Thats right. They already bought the debt for a song and have no right imposing further penalty/trumped up unlawful charges.

 

Write back asking them what agreement? You certainly have no agreement with them!

 

Issue them with a LBA. Is this the only unlawful charge on the statements. Are there any other fees or interest?

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