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Ok this follows on from an initial joint thred here between RCI & RFS which relate the Renault finance.
I have now started against RCI as they have taken a Direct Payment for their charges this month.
What concerns me is that they haven't added it onto my monthly payment they have taken a seperate payment, which i will recall from the bank.
Anyway here is my first letter re the charges, basically the same as RFS got
I have now started against RCI as they have taken a Direct Payment for their charges this month.
What concerns me is that they haven't added it onto my monthly payment they have taken a seperate payment, which i will recall from the bank.
Anyway here is my first letter re the charges, basically the same as RFS got
RCI Financial Services
Egale House
78 St Albans Road
Watford
Hertfordshire
WD17 1AF
20th February 2008
Dear Sir/Madam
Repayment of Charges Request
AGREEMENT NUMBER: xxxxxxxxxxx
I am writing to ask you to refund to me the penalty charges which you have added to my agreement over its duration.
I have recently discovered that these charges are unlawful at Common Law & Statute. This is further reinforced by the Office of Fair Trading report of 5/4/06 which concluded that these charges are unfair to the consumer. If you believe that they are not penalties, then will you please demonstrate this by giving me a full breakdown of the costs you have incurred as a result of my breaches, in order to prove to me that your penalties really do reflect your actual losses.
I would draw your attention to the terms of the contract which you agreed to at the time that I entered in the agreement. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.
I calculate that you have added £214.70 to the agreement in charges, plus added £8.69 in various migrated charges to the agreement.
Therefore the total I am requesting at this stage is £223.39
I attach a schedule of the charges which I am claiming with this letter
I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive a refund.
If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. If you do not respond to my second letter within 14 days, I shall commence a County Court claim against you.
Yours faithfully,
Egale House
78 St Albans Road
Watford
Hertfordshire
WD17 1AF
20th February 2008
Dear Sir/Madam
Repayment of Charges Request
AGREEMENT NUMBER: xxxxxxxxxxx
I am writing to ask you to refund to me the penalty charges which you have added to my agreement over its duration.
I have recently discovered that these charges are unlawful at Common Law & Statute. This is further reinforced by the Office of Fair Trading report of 5/4/06 which concluded that these charges are unfair to the consumer. If you believe that they are not penalties, then will you please demonstrate this by giving me a full breakdown of the costs you have incurred as a result of my breaches, in order to prove to me that your penalties really do reflect your actual losses.
I would draw your attention to the terms of the contract which you agreed to at the time that I entered in the agreement. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.
I calculate that you have added £214.70 to the agreement in charges, plus added £8.69 in various migrated charges to the agreement.
Therefore the total I am requesting at this stage is £223.39
I attach a schedule of the charges which I am claiming with this letter
I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive a refund.
If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. If you do not respond to my second letter within 14 days, I shall commence a County Court claim against you.
Yours faithfully,
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