I have recently received a correspondence from Barclaycard regarding a claim for unfair charges on my credit card and here's their response:
"Thank you for your recent letter, your details have been passed to me in order that I may respond in my capacity as Customer Relationship Manager.
I am sorry you feel the charges you have incurred are unfair. We believe that our charges are both fair and transparent, and we make them clear in our Terms and Conditions, and on the reverse of every monthly statement.
Putting the above to one side, as a goodwill gesture and without any admission of liability, I am prepared to credit your account with 80 pounds.
May I take this opportunity to remind you that the best way to avoid similar charges in the future is to remain within your credit limit and ensure that your monthly payment reaches us with the required timeframe.
Should you have any further questions regarding this matter please do not hesitate to contact me. If my reply does not meet with your expectations you may ultimately be eligible to refer to the Financial Ombudsman Service. Further details of this service are available on request. If I have not heard from you within 8 weeks from the date of this letter, I will close my complaint file in accordance with our usual practice. "
How do you recommend I respond to this letter since my claim is over 200 pounds and they're only offering to pay 80 pounds, should I proceed with legal proceedings?