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opening letter with initial negotiation

bobrick
Posts: 3 Newbie
hi folks
i have just been looking into reclaiming my bank charges and i was wondering if it would be advisable to outline a settlement i would be content with in the initial letter to the bank
i have requested repayment of overdraft and excess overdraft charges from may 1999 with interest which amounts to approx £1600 thus leaving maximum room for negotiation
other relevant figures are below;
from july 2001 with interest £ 1094
from july 2001 without interest £ 745
i would be happy if my the bank used the repayment of charges to clear £840 which is on my credit card that is held with my bank
should i include this in my opening letter?
you advice would be greatly appreciated
thanks
bobrick
i have just been looking into reclaiming my bank charges and i was wondering if it would be advisable to outline a settlement i would be content with in the initial letter to the bank
i have requested repayment of overdraft and excess overdraft charges from may 1999 with interest which amounts to approx £1600 thus leaving maximum room for negotiation
other relevant figures are below;
from july 2001 with interest £ 1094
from july 2001 without interest £ 745
i would be happy if my the bank used the repayment of charges to clear £840 which is on my credit card that is held with my bank
should i include this in my opening letter?
you advice would be greatly appreciated
thanks
bobrick
0
Comments
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hi folks
i have just been looking into reclaiming my bank charges and i was wondering if it would be advisable to outline a settlement i would be content with in the initial letter to the bank
i have requested repayment of overdraft and excess overdraft charges from may 1999 with interest which amounts to approx £1600 thus leaving maximum room for negotiation
other relevant figures are below;
from july 2001 with interest £ 1094
from july 2001 without interest £ 745
i would be happy if my the bank used the repayment of charges to clear £840 which is on my credit card that is held with my bank
should i include this in my opening letter?
you advice would be greatly appreciated
thanks
bobrick
banks are looking at priority debt arrears ie Mortgage/rent, council tax and utilities. Do you have any of these?0 -
thanks for looking natweststaffmember
i dont have any debt in the areas you mentiond jut my 2 credit cards total approx 2400 and 2 loans currently approx 11000 owing
i have just noticed the bank have been charging me a banking fee, £10.00 per month however checking their T+C's i should be exempt (waived not charged (whatever correct word is)
therefore i will be writing them a letter tonight or tomorrow0 -
thanks for looking natweststaffmember
i dont have any debt in the areas you mentiond jut my 2 credit cards total approx 2400 and 2 loans currently approx 11000 owing
i have just noticed the bank have been charging me a banking fee, £10.00 per month however checking their T+C's i should be exempt (waived not charged (whatever correct word is)
therefore i will be writing them a letter tonight or tomorrow
Without priority debt arrears they will acknowledge your claim but not pay out. I would deal with the second issue separately unless the unauthorised charges were the result of this £10 issue0 -
hi natweststaffmember
cheers for the advice i will send just the opening letter as per the template and deal with other issue seperately. jut waiting for them to send list of charges incurred, i have all my statements though so will double check
thanks again
bobrick0
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