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JDW adding £12 admin charges.


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Hi Folks,

I'm hoping some kind soul will point me in the right direction for my next move.

I received a letter from 'Oxendales' 'Without Prejudice' which stated, amongst a lot of waffle about whether the charges constitute penalties, that they are still not willing to refund the charges.

Furthermore, they have now removed the credit limit for my account although, naturally, they are quite willing for me to use their company as a cash account. I looked at my account today:

The 'available to spend' is now a minus figure

The balance is the full amount due

The credit limit is £0

So I am now confused.

Do I have any more actions I can take? Do I have to go down the Court route? Is this likely to cost me anything? And can someone please advise me, preferably with links to any suitable templates?

This is for an amount in excess of £700 so I'd rather not let it lie, unless I'm at greater risk of it rebounding on me.

Thanks in advance for your advice.

19/08/2006 Request for statements sent, with £10 cheque.

26/08/2006 Statements received - cheque returned

05/09/2006 - Preliminary Request for £1153.50 sent by Recorded Delivery - NO RESPONSE

21/09/2006 - LBA Sent by Recorded Delivery

27/09/2006 - Letter received from HSBC offering a "full and final settlement" of £1040.00

28/09/2006 - Rejection of settlement offer sent by Recorded Delivery

04/10/2006 - Offer of settlement IN FULL from HSBC :smile:

 

*~~Thank You to Everyone for the Wonderful Advice~**

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Hi Folks,

I'm hoping some kind soul will point me in the right direction for my next move.

I received a letter from 'Oxendales' 'Without Prejudice' which stated, amongst a lot of waffle about whether the charges constitute penalties, that they are still not willing to refund the charges.

Furthermore, they have now removed the credit limit for my account although, naturally, they are quite willing for me to use their company as a cash account. I looked at my account today:

The 'available to spend' is now a minus figure

The balance is the full amount due

The credit limit is £0

So I am now confused.

Do I have any more actions I can take? Do I have to go down the Court route? Is this likely to cost me anything? And can someone please advise me, preferably with links to any suitable templates?

This is for an amount in excess of £700 so I'd rather not let it lie, unless I'm at greater risk of it rebounding on me.

Thanks in advance for your advice.

 

Please start a new thread for this, tell us the history and we may well be able to help you.

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