Letter Sent

[cymro1170]

Does it say "account renewal" next to them amounts?

 

If so just disregard them and claim for the actual charges.

 

it says cash next to both 264.78 credited amounts

and Head Office 94Dfied next to the Debited 264.78

 

I just know that I'll mess it up somewhere or haven't accounted for some thing

[colour-me-happy]

it says cash next to both 264.78 credited amounts

and Head Office 94Dfied next to the Debited 264.78

 

I just know that I'll mess it up somewhere or haven't accounted for some thing

 

Not sure to be honest, I found the investors report too complicated :o

 

If you have a look at the sticky thread near the top - Investors report that should give a bit more insight.

[richardc]

Claim for the charges - £446

[cymro1170]

Claim for the charges - £446

 

Thanks for your reply Richard.

Can you give more reasoning please?

Don't want to go through this only to fall at the last hurdle

Many thanks

[cymro1170]

I have drafted my "Preliminary Approach for Repayment" letter asking for £446 in charges.

 

I don't really know where I stand with them paying off the -£264.78 and closing the account, but I guess I'll find out soon enough.

[cymro1170]

Anyone?

[dave]

It doesn't matter.

 

If the amount they owe you is more than the amount you owe them, claim that the OD was caused indirectly by their unlawful charges.

 

The amount is then in dispute and according to the Banking Code, if an amount is in dispute then they will not pass records of it onto a credit reference agency.

 

If they recall the overdraft, as they have done with my partner, then write back saying that you assume that the 'outstanding' amount will be written off and a cheque for the outstanding balance they owe you will be in the post within 14 days.

 

If it isn't then you will have no choice but to use the courts (that are there to protect US) to recover the outstanding balance.

 

I would imagine that would do it.

[cymro1170]

It doesn't matter.

 

If the amount they owe you is more than the amount you owe them, claim that the OD was caused indirectly by their unlawful charges.

 

The amount is then in dispute and according to the Banking Code, if an amount is in dispute then they will not pass records of it onto a credit reference agency.

 

If they recall the overdraft, as they have done with my partner, then write back saying that you assume that the 'outstanding' amount will be written off and a cheque for the outstanding balance they owe you will be in the post within 14 days.

 

If it isn't then you will have no choice but to use the courts (that are there to protect US) to recover the outstanding balance.

 

I would imagine that would do it.

Thank you for your reply Dave.

Letter requesting payment sent today

[cymro1170]

Request for re-payment sent off.

Awaiting a letter back from them.

[baconbuttyman]

good luck we are all behind ya....

[adrianbrak]

sent my letter off on 29th March, got a reply today - it reads:-

"Dear Mr Brakenberry

Regarding the charges that you have incurred on your account, which you claim to be unfair penalty..

 

we're keen to deal with your concerns as quickly as possible. A Customer Relations Manager will investigate the points you have raised and you will recieve a reply shortly, but certainly no later than 4 weeks.

 

You will find enclosed a copy of our leaflet, which tells you how we will handle yopur complaint.

 

Your concerns will be dealt with as quickly as possible, but to help us deal more efficiently with your enquiry, please quote ********** when writing or telephoning the number at the top of this letter."

 

 

I am pleased to get the process started - but will always worry that, with my luck, I will end up with nothing in the end!

[baconbuttyman]

Thats The Same Letter I Got Yesterday, Send The Other Letter In The Library, The Letter Preceeding Action, Get That Out Asap And Send It Recorded Delivery.

Good Luck

[cymro1170]

In respect of any manual intervention on your account, I have ordered account reports to investigate this and will supply this information by 24th April 2006

 

Well, this date has passed and I haven't received a letter from them about manual intervention on the account.

 

I'm still awaiting for a letter from them in response to my claim for re-payment.

 

What happens now?

 

Do I complain that they haven't supplied the information by the 24th ?

[cymro1170]

Still awaiting a response to this letter.

 

Should I send it again?

I did send it recorded delivery the first time

[sgt_bilko]

You've sent the Preliminary approach for refund and they haven't responded? and it's been what 20 days?

[cymro1170]

You've sent the Preliminary approach for refund and they haven't responded? and it's been what 20 days?

 

That is correct.

[cymro1170]

Received a letter today offering me £207 as a "gesture of goodwill" in full and final settlement.

 

Any advice?

[colour-me-happy]

What did you originally ask for?

 

It's for you to decide really, it's your money.

[cymro1170]

Had a letter today offering me £207 as a "goodwill gesture"

 

Do I accept or carry on for the full amount of £446

[colour-me-happy]

Had a letter today offering me £207 as a "goodwill gesture"

 

Do I accept or carry on for the full amount of £446

 

Unfortunately only you can decide .... but why would they offer anything if it was all legal and above board??

[dave]

This might help:

 

http://www.consumeractiongroup.co.uk/surveyresults.php

 

Have a look at Halifax in the list.

[cymro1170]

This might help:

 

http://www.consumeractiongroup.co.uk/surveyresults.php

 

Have a look at Halifax in the list.

 

Thanks for that link

 

It says that Barclaycard have re-paid £6,766,203

 

I'll give it a think overnight - don't really know what to do

[Tinkerbelle]

Looks like someone is messing about with the survey.

[cymro1170]

What did you originally ask for?

 

It's for you to decide really, it's your money.

 

Originally asked for £446

[cymro1170]

Decided to go for the £207

 

Seems like the best options.

Thought I might have got more replies from you guys though.