No, but at the moment I am just interested in a general view on whether they have me over a barrel or whether they do not have a leg to stand on
Any how who would I make a formal complaint to? If you tell me they are right and I am wrong I will just pay up and cut my losses.
I would not pay them £150
Indeed I would sue them for breach of contract because this is fraud.
They represented they were someone else when they were not.
You need to write and set out your losses and request a refund within 14 days or say you will go to Court within 14 days. You should make sure you send this recorded delivery and keep a copy.
If they do not refund you then you can issue proceedings in the County Court. You can either do this online at: www.moneyclaim.gov.uk or by completing form N1 http://hmctsformfinder.justice.gov.uk/courtfinder/forms/n001-eng.pdf and take it to your local County Court.
The Court will then issue a claim which a copy will be sent to the Defendant who will have a limited time to defend it, if not you can enter Judgment and enforce.
If the matter is defended it will be set down for a trial. If the claim is for £10,000 or less it will be a small claim and you will not need representation.
Can I clarify anything for you about this today please?
Thank you for this. At the moment I am not out of pocket, the bank are going to refund the £75 already paid. My worry is that if they believe I have a 12 month contract and an account with them and they believe they can add random administration fees. Can they get some sort of court order for me to pay this without me having a chance to counter their claim and defend my position? Or would they be mad to even try? Should I just ignore it, which was my initial thought?
Do I rate now or wait until our dialog is finished?
Ah ok - then wait.
Do not pay anything.
Let them try and take you to Court
Does this help?
That's great - thank you for your help