Hi - I am in the process of trying to reclaim charges from Sainsburys Visa.
I have a DMP and any refund will be used to reduce the o/s debt but the sequence of events are as follows:
October 2005 realised I was in trouble and sent out budget sheets & offers per National Debtline. All my other creditors except Sainsburys accepted my offer. They started to charge fees which total £525.00 and were continualling calling me at home and at work. I wrote to the OFT and had to change my telephone number.
I was worried about reclaiming them in case it affected the DMP and that they would started calling me again, but I sent out my first letter to them on 28/02/07
They responded with a letter dated 5/03/07 received on 20/03/07 stating the charges were lawful and no refund was applicable.
I sent out a second letter (21/03/07) giving them 14 days or I would commence court proceedings.
Letter received Sainsburys dated 11/04/07 saying they will refund half as a gesture of goodwill but I have to sign a full & final settlement form? Is this wise?
Can I decline this offer, and ask more? I really don't want to take them to court as I cannot afford the £80
I'm new to all this