FleetfootMike
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Well. They've credited my account with £500, and sent me a cheque for £550. I'm returning the latter, telling them I'll accept the former as partial payment without prejudice to the rest of my claim, and giving them 7 days before a LBA. Letter going out tonight.
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Getting back on track - letter rejecting their offer of £315 and pressing on being sent tonight (thanks to folks in General for advice on this)
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Back on track. LBA sent today (10/4/07)
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Thanks. As far as FD are concerned, I got the stock 'er, NO' letter so I'm just going straight ahead with LBA, since I can't see another go around'll change that much
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In two of the three cases I have an offer of settlement. Can I reject that and issue an LBA in one go, or should I give them 7 days for a response to my rejection?
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My bad - by initial stage I meant 'had worked out the charges due and requested the refund'.
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Due to a combination of illness, holiday, redundancy, a new job, and... to be brutally honest, generally being crap, I have let my three claims slide since about August 06 - all three were at the initial letter stage, and all had had replies, with various degrees of fobbing off. Any advice on the best way to pick things up again?
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Another question - I note that the tone of the preliminary letter to the bank requesting a refund of charges could be described as a little adversarial Given I'm in the process of discussing with FD what to do about what I owe them, what do folks recommend? A toning down of the wording? Waiting? Carrying on?
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Total I shall be claiming: £754.00
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Total I shall be claiming: £1265.
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Things dragged a bit, due to holidays and stuff. And First Direct deciding they'd had enough of me *wry grin*. This may not be helped by the fact that they've had £5,200+ out of me in charges since July 2000! It's very interesting going back and seeing the pattern of charges, where one bad month has a knock on effect for ages. So, question: given that's over the £5000 small claims limit, what's the best approach?
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DPA letter sent today - I'm curious as to how much I have been charged since I got the card, to be honest.
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I come here (from moneysavingexpert.com) enlightened, wiser and a touch peeved, since I've been feeling the pinch of the loop of being pushed overdrawn again by the previous month's charges off and on for a while now. First step (DPA letter) today. Let's see what happens.
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