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Tesco Help Needed!!


loeby
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Sent my prelim to tesco on 20/11, received a letter back dated the 22nd basically saying they are looking into it.

Received another letter this morning with all the usual crap on it about how their charges are fair etc but the bit that baffled me is

 

'Whilst we disagree with the office of fair tradings legal position on credit card default charges we have lowered late payment and overlimit fees to £12. It is not our policy to refund fees that were previously charged at a higher rate.

Prior to 2004 our late payment and overlimit fees were charged at £10, under our current level of charges, and so do not qualify for a refund. From 2004 or charges rose to £15 and therefor to bring this matter to a resolution i have today refunded the difference between those charges and our current charge of £12. These refunds will show on your next statement'

 

Right well for starters, this account is now closed so i dont know why the idiots are putting the refund on my account but my concern was can i claim for these charges of £10 that are under the £12 guidelines???

 

Id be greatful for any help on this, should i go ahead now and send a lba for the whole amount of my claim?

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