This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Not particulary bothered about it but i would prefer to keep this one open i do have another account but i use this one most. Anyone think i can get it kept open in anyway

Thanks Spice Skull

Would this be good enough?

Im looking for a template letter saying that i will accept "x" amount but i am stilll going to pursue for the rest? Anyone got one that i can have and edit around please? Maybe one they have used for there own case. Thanks alot very grateful

Anyone got any advice to the above please?

Yes you can my letter says FULL AND FINAL SETTLEMENT OF THIS MATTER. meaning the charges that I have requested back

Well its up to you but if it looks bad in court then i would not think its worth the gamble

What stage did they offer you the amount minus the interest? You should really accept that as the rest is total greed and you will be getting what is rightfully yours and it wont look good in court if you refuse

Just got off the phone to the bank saying i would be willing to accept the £525.00 as a settlement for this matter if however the additional £50 charge that is due to come from my account tomorrow is removed. They responded with they would not be willing to deal with that and if i accept the £525.00 that refers to £619.00 and any other charges have to be dealt with seperatly and in there own case.

Ok changed it around a bit got it looking like this Anyone got any advice or any tips for me that I can add or change on the letter to make it look more professional anything i can add in it about the oft etc etc.

I might copy this Cornucopias letter and send this What do you guys think? If i do this does that mean i do have the 525.00 guaranteed already?.

The letter just says sign and return if you accept. It says Just to confirm this means that i can still persue for any other charges is that correct?

I would accept that sum however. I dont want it to effect my position if i recieve any other charges. What i might do is accept the £525.00 as a full refund regarding the original £619.00. Take the signed letter the branch tomorrow then when the other £50 comes out on thursday send a pre lim letter for that on friday and do the same for any other charges. Or i might consider speaking the branch manager tomorrow regarding the charges

14 Days was up today I was ready to go to moneyclaim site tomorrow first thing. Until i got home from work to this letter Ok please excuse any spelling errors because i have just typed it up myself. Now what do you all think i would do. In my lba letter it clearly states also that an addition £50 is due to come out of my account on the 8th june and if this matteris not settled in full by that date i will be changing my claim to the sum of £669. So at the moment the claim is for £619 but in two days it will be for £669.00 Now i dont really want to accept the £525 because i feel the sum is actually£669 pound or at least it will be in two days when the addition £50 comes out. Also i feel that if i accept the £525 I dont feel like im in as powerful a position as to future charges as i would be if i recieved full settlement. So should i sign the letter and give in or should I write them another letter saying that i do accept this as partial settlement and will continue to pursue for the addional £144.00.

At what stage did they say they are closing the account and how much notice have they given you before closing the account

Personally id phone the bank and asked to be put through to customer services first, explain your situation. They might then just refund if not Pre lim and follow steps

I hope i end up PMing one of you mods then soon!

Sorry my mistake. Fair enough was just an idea. If it creates a big work load swerve it.

I gather they offered a settlement? Can you give us more details of how it was settled wether they offered you a percent first, wether your it was settled by letter or phone. Be very useful for me but if not thanks anyway

I was thinking i like reading about other cases especially cases that have been refunded. Is there any chance of asking the people who have had there case settled to edit the title of the thread. Instead of it saying things like VS Hsbc. Maybe it could says vs hsbc SETTLED. Makes it easier to find ones that have been settled and its better to read them as its much more useful for people thinking about starting claim. So they can see the routine for the banks and the best way of doing things etc etc. Just an idea