Thank you JMio.
I recieved the letter stating the amount which will be credited to my next statement, the contents are as follows;
' Thank you for your letter.
We understand you are of the opinion that we are not entitled to charge the fees specified in your credit agreement.
When we issued you with your Fraser Card, you agreed that your account would be subject to GE Money's standard terms and conditions of business. Those terms included fees, which would be applied to your account for two types of default:late payment or a returned payment.
The fees you refer to in your letter have been applied to your account in accordance with our standard terms and conditions. They are a core part of the terms on which we provide credit and are highlighted inthe summary box contained in our marketing material. This material is provided to prospective customers before they make an application for credit.
We are currently reviewing the OFT's recent publication of its findings into default fee charges and reviewing our cost base. Our view remains that we are entitled to charge these fees ( which are consistent with the OFT's view). However, our approach to default fees may change in response to further regulatory and/or industry developments over the next coming months.
However, I have agreed, on this occasion as a gesture of goodwill to refund £219.00 in charges that you have previously incurred in full and final settlement of this matter.
This amount will show as a credit on your next statement.'
Hope this helps!!!!
GE Money REFUNDED CHARGES!!!! 
Re: GE Money REFUNDED CHARGES!!!! 
