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chardonnay vs bos help!


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started the bank charges reclaiming last year. at the time they offerred my OH £117.50 partitial refund. Due to ill health and desperate need for the cash we accepted. i recently started reclaiming again as feeling better, however, bos credit card have came back saying as we took this refund it was a full and final settlement which they say my OH signed. i remember him having to sign something but we don't have a copy so can't be sure it said full and final.

 

the full amount we were trying to claim was £361.55 (inc int) minus the £117.50 already refunded =£244.05. this amount includes subsequent charges since the refund.

 

i intend to ask for a copy of the full and final settlement letter. if this is correct can we no longer claim back the rest?

 

any advice much appreciated.

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Someone else may have the definitive answer - but my suspicion is that if OH DID sign an "I accept this as a final settlement" letter - then he accepted it on that basis.

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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*bumped*

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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