Still very new to this site although i am about to file my MCOL against FD.
The story so far
Received my statements, no problems at all (and free).
Sent my first letter requesting my money back (£2,000+).
FD offered me £600+ also saying that they are not prepared to consider claims for unpaid direct debits.
Sent off my LBA asking for the full amount but gave them the option of settling quickly for £1800.
After looking at my statements again, i realised that i hadn't claimed for any "overdraft fees", only the "excess overdraft fees" and "recalled s/o - d/d".
So, i wrote again asking for the higher amount of just under £3000 but again offered to settle quickly for £2800.
They replied to this by offering me £1400+ and still maintained that they do not look to refund recall fees. (this is almost half of my claim).
I wrote Mr. Kenaghan and accepted thier offer only as part payment, but i would be persuing the remainder through the courts and informed them that i would be filing my MCOL on 23rd of this month (today).
To my surprise this morning, i received yet another offer from FD for £1680+ which is a full refund of all my overdraft fees. But they still maintain that they do not review recall fees.
As my fingers are twitching over the MCOL site, i just wondered if anyone else has been fobbed off with this refusal to repay recall fees?
Shall i just go for it and claim the lot through the courts?
Any advice would be a great help.
Will keep you all posted!!!