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adyb v FirstDirect


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Just managed to total up my overdraft, excess overdraft, and returned item fees and was not too shocked to discover that it totals some £880.

 

Prelim is going in the post today/tomorrow I'll keep you all informed of progress.

 

Adyb

HSBC - Prelim sent 18/7/06 £1678.00

FirstDirect - Prelim 1/8/06 Offer to settle in full dated 4/8/06

Egg- DPA sent 1/8/06

IF - DPA sent 9/8/06

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It's arrived! Yesterday I received their (what must be a standard letter by now) offer of a full and final settlement, without prejudice. They stated that it is a commercial decision as the costs associated with progressing to Court and management time blah blah blah...

 

The problem I have is that the offer is full and final. I have two other claims in progress with FirstDirect on two different accounts. The declaration that they expect me to sign does not state which complaint this is for.

 

Should I redraft their declaration so that it is more specific by detailing my account number?

 

What's the consensus on this?

 

Cheers,

 

Adyb

HSBC - Prelim sent 18/7/06 £1678.00

FirstDirect - Prelim 1/8/06 Offer to settle in full dated 4/8/06

Egg- DPA sent 1/8/06

IF - DPA sent 9/8/06

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I re-drafted their declaration so that it now reads:

 

Our ref: XXXXXX

4 August 2006

Mr adyb

With reference to my complaint against the bank dated 1st August 2006 and my account number XXXXX XXXXX

I accept the sum of £880.00 in full and final settlement of this particular complaint against the bank and without prejudice to any further complaints relating to other accounts I have held with the bank.

Signed---------------------------- Date----------------------------------

Mr adyb

 

 

 

Any thoughts?

 

Adyb

HSBC - Prelim sent 18/7/06 £1678.00

FirstDirect - Prelim 1/8/06 Offer to settle in full dated 4/8/06

Egg- DPA sent 1/8/06

IF - DPA sent 9/8/06

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