reclaim charges
Foig F asked:


I am currently taking a store card company to the small claims court for punitive charges, miss-sold PPI and interest. They have received the court papers and have replied stating that they intend to defend the full amount I have claimed. Id it possible they can defend punitive charges, miss-sold PPI and usury?
If you say that I don’t have a case, I would have assumed you would be au fait with the legal terms. Punitive charges (charges actioned by the defendent which are unlawful in English Law). PPI (Payment Protection Insurance). Usury (extortionate interest rates). I wonder why you would answer a question when you understand nothing that has been referred to.
To ensure that people such as Anita do not answer a question that they do not fully understand and imply that I have fabricated terms, I shall clarify:

I opened a store card and incurred charges. Charges which are currently under investigation by the OFT (Anita, this is The Office of Fair Trading). I have therefor decided to claim the charges back, along with PPI (again for Anita, Payment Protection Insurance) which I did not ask for. I have also asked for the interest. I hope this clarifies the question. Please, if you do not understand the question, don’t bother responding. I assume Anita is an aggressive bulldog who launches into verbal attacks, without full comprehension. If I don’t understand something, I don’t assume that the subject is made up. I make an attempt to understand the issue.

Cristabel