31 January 2012
Palmers
Standard House
16 St Albans Road
Watford
WD17 1UN
Dear Sirs
Vehicle Registration Number XXXXXXXXXX
Fiat 500 Lounge Twinair
Service Plan Monthly Payments £17.78
I accepted delivery of the above vehicle from you on 12 July 2011 At the time of purchase, I agreed to a Service Arrangement in relation to my vehicle. I was very specific in that direct debit payments were not to be swept from my bank account until the first day of each month and no earlier, as this would cause me difficulty in relation to when our salaries are paid into my account and funds being collected.
You subsequently swept my account early each month for three months. I rang your branch on two separate occasions and spoke with two of your salesmen and on a third occasion when I spoke with the Branch Manager. I repeatedly rang your accounts office in Hemel Hempstead and endeavoured to speak to the individual who is allegedly responsible for arranging direct debit collections, and was given a number of excuses as to why he was not available to speak to me. I was rudely informed that he was out of the office, he was at lunch, he works flexi time and no-one knows when he will be in. I left repeated messages asking that the direct debit date be changed; stating that if that wasn't going to be done, that I would cancel the direct debit. On each occasion I was assured that "he" would return my call. "He" never bothered to contact me. "He" never bothered to change the date that you swept my bank account.
I again spoke with your Branch Manager and was very clear in that if you again swept my account early, I would cancel the direct debit. Additionally that you had sent me erroneous paperwork stating that I was to take a Fiat I do not own to a registered Skoda dealer for all repairs. I was very clear that I am dissatisfied with the service extended by your company. You again swept my account early. I again spoke with your Branch Manager whose excuse was that if the first of the month fell over the week end you would take the money early. You took money from my account again today, proving this statement to be untrue. Three months down the line and repeated instructions later, in October 2011 when I spoke with your branch manager I was very clear when I stated that the Direct Debit was to be cancelled with immediate effect and that I require a full refund of all monies paid to you in respect of anticipated service charges. I confirmed this statement in writing and cancelled the direct debit in your favour in October 2011 with my Bank.
Despite the foregoing you have continued to sweep my account in November 2011, December 2011 and again today on 31 January 2012 ... on my instruction my Bank has recalled the funds that you have removed from my account each month over the past three months as there is no direct debit in place in favour of your company.
Please be aware
I REQUIRE AN IMMEDIATE AND FULL REFUND FROM YOUR COMPANY IN RESPECT OF ALL MONIES TAKEN FROM MY BANK ACCOUNT BY YOURSELVES. I HAVE NEVER RECEIVED EITHER SERVICE OR GOODS FROM YOU IN RESPECT OF THE FUNDS YOU HAVE TAKEN. UNDER NO CIRCUMSTANCES ARE YOU TO TAKE ANY FURTHER MONIES FROM MY BANK ACCOUNT. YOU ARE TO CANCEL THE UNAUTHORISED DIRECT DEBIT YOU HAVE BEEN USING TO FRAUDULENTLY SWEEP MY ACCOUNT WITH IMMEDIATE EFFECT. FAILURE TO DO SO WILL LEAVE ME WITH NO ALTERNATIVE TO REPORTING YOU TO TRADING STANDARDS.
Yours faithfully
cc The Manager
National Westminster Bank plc
Watford Town Centre Branch
72-74 High Street
Watford
WD17 2GZ read more