First Direct closing account, claim settled but 2 charges outstanding

[oktopusinc]

Hi,

 

First direct paid in full but just before they settled 2 more charges let slip - about £60. Now they want to close the account and for me to pay off the overdraft. I had already sent a standard letter asking for the charge to be reversed before they sent me the closing letter. I did plan to close th account anyway but was waiting for the charges to be refunded. I never signed any agreement and stated that I would pursue them for fees in the future even if they paid up. Do I:

 

a. pay the overdraft off to £0.00 plud the small amount of interest for this month (£7.00 odd) and send them a letter stating I will not pay the overdraft fees they are trying to charge me and reminding them of the letter I have already sent regarding OFT etc.

 

b. pay the overdraft off to £0.00 plud the small amount of interest for this month (£7.00 odd) and also the amount in overdraft fees and then try to reclaim the fees as per usual?

 

Okto

[Guest bong]

Personally I'd go with b., that way they can't take any action against you while you're reclaiming the charges.

[joebloggs]

I would go for B.

You have been seen to be fair and willing to pay them off.

A pain having to do another claim, but they have to realise that we are serious about taking them on.