My Charges.

[saxovtr]

Hi there, I have followed all instructions and now have received a letter from Laurence White, the Customer Relations Manager, In this letter it states that it says in the terms and conditions I received when opening my account state all the charges and I have agreed to them................... BUT...................

 

On this occasion they are willing to offer me £320, They actually owe my £500, what do you think my next course of action should be.

 

 

Thanks in advance.

[victimnomore]

It's up to you. If you need the £320 urgently, you might like to accept it.

 

My feeling, and I think many on this site would agree, is that if they owe you £500 then that's what you should insist on. If you owed THEM £500, you can be certain that THEY wouldn't take £320 and say "forget about the rest".

 

That £180 is your money. But you would have to be prepared to go all the way, to court if necessary, to fight for it.

 

If you want to go on, don't be afraid to reject the terms of their offer, send the LBA if you haven't already done so, and issue a court claim when the time comes.

 

Whichever you decide, good luck!

[xxxNikkixxx]

This is where you either accept their offer or send a thanks but no thanks letter and continue with your claim.

This is the letter from the templates library if you haven't already seen it-

 

 

YOUR Street

Town

City

Postcode

 

 

Date

 

BANK NAME

Address

Address

Postcode

Re: Account number XXXXXXXX

Response to settlement offer.

 

Dear [named sender or Sirs]

Thank you for your letter dated xx/xx/xx

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxx

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

 

My letter before action sent previously indicates that you have until xx/xx/xx to respond before Court action commences. You are reminded that there will be no extension to this timescale.

 

I trust this clarifies my position.

 

 

Yours faithfully

[signature]

[print name]

 

Good luck whatever you decide to do

[saxovtr]

thanks for the replys.

 

just got to decide what to do, I could really do with the cash now but we will see

 

once again thanks