Co-op/smile being stubborn.

[beercan]

My overdraft with Smile is currently £700. Of this, £337.22 is charges. They have refunded £225 (apart from the £337) so far but won't budge now.

They are harassing me into paying back the balance which I have agreed to do at £20 per month.

I wrote to them 2 weeks ago with a basic letter detailing the list of charges I want refunded and said that I felt a mutual agreement was fair in that I pay £50 p/m and they remove the charges.

They wrote to me today and said "after careful consideration" they are taking the offer of £50 p/m repayments but "your request for a refund of other charges has been declined"

What I am hoping you guys can answer is, is there any point in me now sending the preliminary letter in the library, or should I just go straight for stage 2?

Thanks.

[orfoster]

The Pre Lim letter has a wide ranged explanation of laws and terms in it that they should really recieve before taking them to court. Only so they can't kick up a stink saying you didn't give them enough time to pay up. I would personally stick to the times and letters in the templates library but the rest is all up to you. Good Luck and keep us updated.

[beercan]

Thanks for the reply. Will respond and let you know.

[MartinAN]

I never used the first letter with co-op on my account. They paid up within 2 weeks. But it did detail all the the charges myself, and the letter i did send had details of the law in it. I used the letter from Unfair UK Bank Charges | legal help from Govan Law Centre, Glasgow, UK