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Beckz -v- Monument


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After requesting my charges back from Monument, I recieved an offer of £108 from a claim of £318. I recieved the following letter yesterday morning.

I wont right it all as it is 3 pages long;


The investigation of your complaint has now been completed. I am sorry that we have been unable to reach a mutually satisfying resolution, BLAH BLAH - In the circumstances, for the purpose of the financial ombudsman service you may regard this as monuments "final response".


It then goes on to talk about terms and conditions and how they believe they are being fair. They will not take into account any of the charges apllied to my account that were for £12, then says they are prepared to credit my account with £108 good will gesture.


Unsure about what to do next, should i contact the ombudsman and carry on with the full claim contact monument or accept the offer??


I have an LBA alredy to go but not sure if i should send it.


Any help would be greatfully appreciated, thanks :)

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