A sort of sucess with hardship claim and Abbey!

Hay_2

Put in the intitial call on 9th december saying I believed we fell under the financial hardship criteria...and then filled in all the forms etc.
Over the past 6 years we've accrued almost £5K of charges:eek:
Anyway we got the letter today saying they will refund nearly £2k which is obviously better than a kick in the teeth but still less than 50% of the charges incurred.
Any advice?Should I accept it or push my luck and try for more?
Just wanted to let anyone else out there know that Abbey do seem to be paying out a bit now in some cases.

Orford

Should I accept it or push my luck and try for more?

No harm trying.

I may be wrong, but I get the impression you think this will be the end of the matter.

Whereas the FSA waiver specifically says that a bank cannot make a F&F agreement on a part offer. ie they would have to refund the remainder once the OFT test case is decided

http://www.fsa.gov.uk/pages/Doing/Re...sp_monthly.pdf

(16)
if the firm attempts to resolve a relevant charges complaint after 27 July 2007:
(a)
the firm must not seek agreement from the complainant that the resolution is in full and final settlement of the matter;

(b)
in relation to such complaints, if the outcome of the test case produces a result that is more favourable to the complainant, the firm must take all reasonable steps to pay any difference in the amount of compensation actually received by the complainant and that that the complainant would have been entitled if his claim has not been settled by the firm then; and

(c)
the firm must explain the implications of its approach and commitment;

Hay_2

Thanks for that
I just called and it turns out my figure was way off because by the time I got my complaint in a lot of the charges were out of the 6 years limit.We had a very bad year just over 6 years ago..typical really..
So the full amount I can claim is for £2520 and they're relooking at it now to increase their offer.Fingers crossed.

militantconsumer

We were offered the full amount first time, but without 8% interest.

So we have put in a claim to the FOS for the interest.

Good luck.