PLease help - got an offer!

[laurenbelle]

Goodevening !

I sent a letter requesting £320 from HSBC and within less than a week received a letter offering me the full amount back! BUT since i sent out the letter i received a further £30 in charges (which i too would like to get back) and there is a further £125 to be applied on the 21/12/2006 (which i would obviously like to avoid) i have a reply letter and i would be so grateful if you could have a look over it to see if there are any changes you recommend i make etc

Thank you very much in advance!

Dear Mr Colin Langdale

Ref: Your Offer of Settlement

 

Account: xxxxxxx

Sort Code xx-xx-xx

 

I acknowledge receipt of your letter date 27/11/2006 and your settlement offer of £320.

 

I have been notified that a further charge of £30 has been taken since my initial request and a further £125 is due to be taken on 21/12/2006 and will only accept settlement if your offer is increased to £350 and the pending £125 is removed.

 

I accept this offer without predjudice and I reserve the right to make any further claims should you apply future charges that may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977.

 

I trust that you will find this arrangement acceptable.

 

Yours Sincerely

[Michael Browne]

That's fine. It's unlikely they'll agree to this, but by the time you come to file at court, you will have incurred the pending charges and can add them to your claim.

[laurenbelle]

I tweaked it a little what do you think? Also should i add another time line, like i expect a reply within xx days?

 

Ref: Your Offer of Settlement

 

Dear Mr Colin Langdale

 

Account: xxxxxxxxSort Code xx-xx-xx

 

I acknowledge receipt of your letter date 27/11/2006 and your settlement offer of £320.

 

Since my initial request a further £30 has been taken from my account in bank charges and I have been notified that £125 is due to be taken on 21/12/2006 , I will accept settlement if your offer is increased to £350 and the pending£125 in charges are removed. See schedule of charges attached

.I accept this offer without prejudice and I reserve the right to make any firther claims should you apply future charges thatmay be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999or Unfair Contract Terms Act 1977.

 

I trust that you will find this arrangement acceptable.

 

Yours Sincerely

[laurenbelle]

£350 refunded into my account AND all pending charges ERASED!!! and that was done on the 9th!!! WOOOHHOOO!!! I am thinking of chasing another bank (owe me just one charge and another 2 about to be applied) but i work for that bank lol and it is a staff account soooo i dont know if i am playing with fire on that one!! hmmmm!

[Michael Browne]

Excellent!!

 

Please complete the bank survey……….and maybe a donation.

 

 

Congratulations. Enjoy the dosh!!!