claiming charges back

[mitsy26]

Hi, does anyone know if i can claim back charges on catalogue accounts, if so how do I go about it? WOuld I need to know how much, do I have to ask for a copy of all my past statements?

The other thing I have noticed one of my accounts is a service charge, what is this for and can you claim this back?

Many Thanks

[pink-kittens]

What charges?

[tonywiltshire]

Like P-K I do not understand what back charges or service charge accounts are and it would greatly help if more information were given.
One general point over catalogue debts in general, which does not seem to be widely known, is that in many cases no contract, and therefore no legal responsibility exists. Catalogue companies are in such a hurry to despatch the first order that they often do not wait until a contract has been returned and afterwards do not bother to complete the formalities. Anyone in debt to a catalogue company should first write to them and ask for a copy of the signed contract, the company will twist and turn, but in reality if it does not exist there is little that can be done. To be right in law is helpful but if the goods have been received you may feel there is a moral duty to make payment, I would not disagree with this view.

[factor-fiction]

Please can you clarify what the charges are and why you think you may be able to reclaim them. Thanks

[cathfromsaron]

is it for payment protection?

[mitsy26]

I read somewhere online that people have tried to claim back late payment charges or non payment charges and they have won, i just wondered how I would go about this? Thanks everyone

[mitsy26]

service charge is when a percentage of what you owe is added onto the amount you owe each month, kinda like extra interest.

[pink-kittens]

I've never heard of extra being added on top of the interest added per month
Are you paying off late payments? Do you owe any payments?