Is this a fob-off tactic?

[papa_lazarou]

OK, Sent my prelim letter a few week back, with no reply, sent my LBA a couple of weeks ago and got this response today.

 

Bearing in mind, the amount I'm claiming is entirely from failed DD charges to my Debit Card, having read all the forums and various responses people have had, this concerned me a little as I haven't seen anyone else have this yet

 

Dear Mr xxxxxxxx

 

I am writing in response to your recent letter. Naturally I am concerned you have found cause for complaint and from the outset please accept my apologies for the inconvenience this has caused.

 

To summarise, you are requesting the refund of any default charges applied to your account in view of recent media coverage surrounding the subject.

 

Following publication of the OFT's report on industry-wide credit card charges, I can confirm that HBOS is reducing its card default fees - although it does not support all of the OFT's findings.

 

HBOS disagrees with the legal analysis of default fees outlined in the OFT's statement, published in April. However, the group confirmed 2nd June 2006 that it will be reducing default fees across all its credit card product range to £12 with effect from 1 August 2006. And until that time, all exisitng terms and conditions will apply. At present the findings only apply to credit cards, so unfortunately, no refund of charges is due to you.

 

I trust this response has clarified our position and resolves this matter for you.

 

I enclose a copy of our complaints procedures. Should you remain dissatisfied we'll provide you with details of how you can contact the Financial Ombudsman Service for assistance. If I do not hear from you within the next eight weeks I will assume you are satisfied with our response to your letter and close my file accordingly.

 

Yours sincerely

 

Liam Pollit

Customer Care Manager

 

So is this a classic fob-off?

 

If so, it has made me only even more determined.

 

Just need some re-assurance!

[ozzywizard]

Ive seen that before around the forum, Keep to your schedule and good luck.

[papa_lazarou]

Many thanks for your help.

 

This letter has actually made me a mite angry, but even more determined now!