I was made an offer which I accepted as a partial offer without prejudice with the intention of claiming the rest through the court process. I put this is writing at the time to the Halifax. As the "gesture of goodwill" was made and the letter referring to it and the other information relating to the acceptance of it was made well before the 27th July which is when the FSA direction came into force am I right in thinking that the payments made are not covered by the direction.

Because despite searching various websites and forums I can't find a template for a straightforward partial offer acceptance that doesn't involve conditions and other elements which are not relevant to my case. I have adapted my letter from a template on this site but had to chop quite a bit out because it wasn't applicable to my situation.

Here's the letter I've drafted taking into account the advice offered above. I would appreciate some feedback before it's sent. Thank you for your letter dated 1st May 2007. Would you please note that I have accepted the sum of £3024 without prejudice as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary. I respectfully request, once again, that you return to me all charges imposed on this account, totalling £5345 minus the above sum which leaves a remainder of £2321. I feel that 7 days from the date at the top of this letter is a fair amount of time before taking action through the county court process to reclaim the above amount plus 8% interest and my costs. I trust this clarifies my position. What does everyone think?

I have followed the procedure to the letter so far so all the relevant paperwork has been sent including the LBA. I thought out of courtesy a 7 day limit would be sufficient before claiming, what do you think?

Thanks again, I have edited the letter down to what I think I need. I don't want to give them the opportunity to take the money back that they've already deposited. Here's what I've come up with, I'd appreciate your comments :- Response to settlement offer. Dear [named sender or Sirs] Thank you for your letter dated 1st May 2007. Would you please note that I have accepted the sum of £3024 without prejudice as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary. I respectfully request, once again, that you return to me all charges imposed on this account, totalling £5345. I trust this clarifies my position. Yours faithfully I'm not sure whether to give them 7 or 14 days before I threaten them with a claim. What do you think?

You are quite right in saying that you cannot claim interest other than in a court claim. I'm not sure I know what you mean by SAR claims. I have sent the letters as laid out in the many information websites that are now online.

Thank you very much for the above replies, let me clarify the situation. The offer was made to me by letter and I have accepted it. The money was placed in my accounts a couple of weeks ago. I was not required to sing anything merely to allow the money to be deposited if I wanted to accept it. My question is specifically about the wording for the letter I need to send them explaining that while I have accepted their partial offer I fully intend to claim for the remainder plus interest.

This is my first post to this site having just registered. I think the explosion in the number of us claiming charges back has resulted in an avalanche of misinformation being posted on sites. I need some clarification on my situation. I claimed £5345 from Halifax, they offered just over £3000 which has been deposited in my accounts. I want to continue the claim for the remainder plus interest. I rang them to see if we could settle to be told that it was a "full and final settlement", when I replied that that's what I expected them to say the lady I was speaking to got a little upset. She also said that if I continued with the claim they would contest it. Again you'd expect them to say that too. I know what she said is nonsense and particularly as I haven't signed anything I can carry on and get the remainder. What I need is some guidance on the wording of the letter. I have searched this forum and other sites and I can't seem to get a definitive answer. Your help would be greatly appreciated.

This is my first post to this site having just registered. I think the explosion in the number of us claiming charges back has resulted in an avalanche of misinformation being posted on sites. I need some clarification on my situation. I claimed £5345 from Halifax, they offered just over £3000 which has been deposited in my accounts. I want to continue the claim for the remainder plus interest. I rang them to see if we could settle to be told that it was a "full and final settlement", when I replied that that's what I expected them to say the lady I was speaking to got a little upset. She also said that if I continued with the claim they would contest it. Again you'd expect them to say that too. I know what she said is nonsense and particularly as I haven't signed anything I can carry on and get the remainder. What I need is some guidance on the wording of the letter. I have searched this forum and other sites and I can't seem to get a definitive answer. Your help would be greatly appreciated.