How to get back on the credit ladder

never-in-doubt

marcellep wrote: »

Thanks so much

I will get it all together and post it to them again

Its getting tedious, but you can see you;re in control here - do you have his last letter where you said 'I claim these charges' he replied with 'i'll offer £96' you then accepted? So where, in any of it, did it mention it would go on the debt?

My next argument is how can he prove the £96 charges are specifically linked to the amount outstanding; surely you paid money back to the debt so who's to say this last payment you made wasn;t for the charges? See my point, its impossible for them to break it down in such a way lol....

He's being a smart arsey but we see right through it - to me he's a noooob!

marcellep

I am sure the letter your talking about is this one:

http://forums.moneysavingexpert.com/showpost.html?p=25043657&postcount=335

marcellep

And this reply

http://forums.moneysavingexpert.com/showpost.html?p=24161465&postcount=290

never-in-doubt

marcellep wrote: »

I am sure the letter your talking about is this one:

http://forums.moneysavingexpert.com/showpost.html?p=25043657&postcount=335

Yep, nowhere in there does it mention about it being applied to the debt - does it? lol

never-in-doubt

marcellep wrote: »

And this reply

http://forums.moneysavingexpert.com/showpost.html?p=24161465&postcount=290

Ahh, missed this bit in there

I’ve reviewed the account and, as a matter of goodwill, I’d like to reduce the default sums we’ve added to £12 each. This amount totals £96. If you’d like to accept this offer, please sign and return the settlement form I’ve included. Once I get it back I’ll add these refunds to your account.
Why should I accept £96? and how can they put it to my account when I do not have a card with them now. The account was included in my TD and I am now discharged. So does that not mean the account is cleared? Oh and no settlement form enclosed

Where is your reply to this letter? I would have refused the adding of them to the accounts, or I missed it mate? Actually, I think I mentioned that you'd not sign the settlement form - either way don't! lol

marcellep

never-in-doubt wrote: »

Yep, nowhere in there does it mention about it being applied to the debt - does it? lol

I’ve reviewed the account and, as a matter of goodwill, I’d like to reduce the default sums we’ve added to £12 each. This amount totals £96. If you’d like to accept this offer, please sign and return the settlement form I’ve included. Once I get it back I’ll add these refunds to your account.

Thats all it really says

never-in-doubt

marcellep wrote: »

I’ve reviewed the account and, as a matter of goodwill, I’d like to reduce the default sums we’ve added to £12 each. This amount totals £96. If you’d like to accept this offer, please sign and return the settlement form I’ve included. Once I get it back I’ll add these refunds to your account.

Thats all it really says

Spotted it mate - see above post lol...... ok, well then just reply as planned and see what happens...... either way, you decline that part of the offer. Its a cheque or court

marcellep

never-in-doubt wrote: »

Ahh, missed this bit in there

Where is your reply to this letter? I would have refused the adding of them to the accounts, or I missed it mate? Actually, I think I mentioned that you'd not sign the settlement form - either way don't! lol

I aint signed anything either

[FONT=&quot]Lets make no mistake here, you are doing nothing as a gesture of goodwill but realise if I pursue this matter you will also get fined, as appropriate, and so you're backing down because you realise you simply have to. Similarly, I’d love to know how you plan on applying the refund onto the account which, as we both say is closed and buried. It cannot happen; any refund would by right be in the form a cheque made payable to me and sent to my home address. Paying it into any account will render the whole reclaim process fruitless and you are no exception to the rule.[/FONT]

never-in-doubt

marcellep wrote: »

I aint signed anything either

[FONT=&quot]Lets make no mistake here, you are doing nothing as a gesture of goodwill but realise if I pursue this matter you will also get fined, as appropriate, and so you're backing down because you realise you simply have to. Similarly, I’d love to know how you plan on applying the refund onto the account which, as we both say is closed and buried. It cannot happen; any refund would by right be in the form a cheque made payable to me and sent to my home address. Paying it into any account will render the whole reclaim process fruitless and you are no exception to the rule.[/FONT]

I'd add that to your reply mate - handy to remind him of it! lol well done (I knew i;d have added something about it lol).....

marcellep

never-in-doubt wrote: »

Spotted it mate - see above post lol...... ok, well then just reply as planned and see what happens...... either way, you decline that part of the offer. Its a cheque or court

Letter is sorted and will be posted to them tomorrow Via Recorded delivery as usual and then its awaiting game again