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Settle or send another letter?

I tried claiming back my credit card charges from both Clydesdale and Capital One earlier this year (Back in July) I received responses back offering the difference betwen the charges and £12 which wasn't very much.

Since then I haven't done anything about either of them. They have given me 6 months to accept the offers which will be up in January-ish. Is it too late to use the second template letter of Martin's? I'd like to get more than they've offered but I'm worried that I've left it too late.
Saving Pennies, Losing pounds

Comments

  • leanneee wrote: »
    I tried claiming back my credit card charges from both Clydesdale and Capital One earlier this year (Back in July) I received responses back offering the difference betwen the charges and £12 which wasn't very much.

    Since then I haven't done anything about either of them. They have given me 6 months to accept the offers which will be up in January-ish. Is it too late to use the second template letter of Martin's? I'd like to get more than they've offered but I'm worried that I've left it too late.

    Send letter number two.
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
  • leanneee
    leanneee Posts: 52 Forumite
    OK so I sent the second letter on the 20th November which has now been 19 days and have had no response from either company - can I fill out the FOS forms now or do I need to wait a bit longer? I was hoping they'd get back to me with an offer for the charges minus interest but no joy.
    Saving Pennies, Losing pounds
  • FOS I think is the right way to go now.
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
This discussion has been closed.
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