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BuxtonFC v FD


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Hi all. Finally decided to tackle FD and reclaim charges after reading about many successes on this board. After getting my 6 years' worth of statements I sat down and worked out how much I was going to ask for. I was amazed that the figure came out at just over £1000. Entering the figures into the advanced spreadsheet I found that the total (inc. interest) was just short of £1200. Sent off my prelim request on 10th April and received reply yesterday offering £895 in full and final settlement.


Of course I am going to decline this offer but I was wondering if anyone could point me in the direction of a suitably worded reply to FD. I've looked at the letters in the library section and Letter 1 seems to fit the bill, except that it contains sections which mention return of a cheque or refund of money already paid into an account. As neither of these events have occurred, would it be ok to use that letter and just omit those paragraphs or is there a more suitable alternative? I want to make it clear to them that I want the full amount and would be prepared to take the matter to court if necessary.


Many thanks in advance for any advice :)

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Guest ChloeJane

Hi Buxton,


The templates are merely a guide for you so I would use the template and change it to offer by phone or however the offer was received. The rest of the wording would I assume be close to what you seek.


A link is here.


Send the letter off and wait the 14 days!


You can choose to wait for them to contact you as in their letter, it depends on whether you are pro active or re active to how you deal with them.


If you send the letter off, spend the time till they reply reading up on how to claim via the court and read into which way you might claim.


Money claim online


5. Money Claim On-Line (MCOL) Particulars of Claim


N1 at your local court.


4. Particulars of claim - N1 - hard copy version


You may also like to read up on fees and if you have to pay them!


You can apply for an exemption through the court when you file your claim so it is worth a read and if in hardship, worth applying.


http://www.hmcourts-service.gov.uk/H...fl ets_id=172


That should keep you reading and informed for the next step after the letter.


Good luck and if you need help look me up in the chat room!

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Hi ChloeJane,


Thanks for your reply. The template letter you suggested seems to fit the bill (with a slight amendment to the first line to suit the circumstances). I'll get a copy sent off to FD tomorrow and then sit back and wait for the money to roll in :)

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Hi, me again,


Just a quick update. I have prepared a letter for sending and would like to check if the wording is acceptable.

"I respectfully decline your offer as Full and Final settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxx.xx (I have deducted the £5 Tariff fee from my original claim as I am willing to accept that this is not refundable).


I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.


I calculate that you have taken £xxxxx.xx plus £xxxx.xx which you have charged me in overdraft interest for the sum which you have taken. Total £xxxx.xx

I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the xxth April 2007.


I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.


I trust this clarifies my position."


Blimey, this reclaiming lark is fun!! :):)

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Guest ChloeJane

Well done!!


Its a great letter!


Feels good to write letters like this and be confident stating you know you are right.


Post it off!


Good luck!

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  • 2 weeks later...

Hello boys and girls,


Quick progress report - sent off Rejection letter (worded as above) on 23rd April. Got home from work today (2nd May) to find a nice letter from FD offering to refund the full amount of bank charges claimed (£1051) :grin:, but not the £130 I'd claimed in Overdraft interest. Not too upset about not getting the interest back 'cos I'd only put it on the claim so that there was a little room for negotiation!


I'm now looking for a suitably worded letter to send back with their declaration of acceptance which makes it clear that I'm happy to settle this claim, but if the buggers slap on any charges in the future then I'll be on to them sharp-ish!! Any suggestions for the content of this letter would be greatly appreciated :).

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