advice needed

[dchotcar41]

long before i heard about this site (Dec 2005) i wrote a letter to abbey complaining about them charging me for going overdrawn, unpaid direct debits etc etc, they sent me a letter saying would i accept £285 as agesture of good will for my complaint and to settle the complaint.this i did in March 2006.

i have since got all my statements out and calculated the exact amount of charges incurred £1655(less the £285 already refunded in March) can i try and claim my money back or will i not have a leg to stand on as i have already accepted a gesture of good will for my complaint, i have already started the process and am as far as waiting for the 14 days to end in respect of the LBA.

[Glenn UK]

i dont think you have anything to worry about, a gesture of goodwill has nothing to do with them admitting their liability and i presume that you didnt submit a claim against them in the CC?

 

I would write to them and say you have now become aware that in fact their charges are illegal and by the way can i have all my money back please.

 

As a gesture of goodwill you might like to let them off the 285 they have paid you, but since this was a gesture its entirely arguable if it should be considred as part of any settlement.

 

JMHO

 

Glenn

[dchotcar41]

thanks glen, i have started the claims procedure in full now and on the 24th Sept 2006 the 14 days will have expired in regards to the Letter Before Action, i have duducted the £285 as it was refunded charges (even though it was nearly £500 they took).

 

 

LBA letter sent 11/09/2006