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I am sorry, but suggesting I get a solicitor to write to them to remove the charge, or let the matter rest does not really seem like an answer worth paying £33.10 for.
On what point of law can I challenge it, or put another way, what exactly would a solicitor state in a letter that I cannot.
Their grounds for not refunding was, "it is not RMG's responsibility to chase the previous agents as to why the account was not updated and why we were not supplied with this address." But surely if they ae the ones levying charges they should be the ones to establish they are lawfully made, futhermore they have had a copy of my letter to the previous agents and can see from the account statement that the cheque referred to in this letter was cashed.
On what legal grounds is it not lawful? Under the terms of the agreement they are allowed to levy charges for late payment, but in this instance the fact it was late was down to their predecessors rather than to mine.