refund debited

stevo1000

please can somebody help i'm in an unpleasent position i have used this site before about my charges but think i;ve done things wrong by way of introduction and nobody seemed to want to answer my questions for me i'm sorry please point me in the right direction for site use thankyou.......
my problem is now that i have gone through procedure with bank sent both letters i have had reply on 19 june 07 my letters started 14 april 07 well they have told me that their charges are fair but s a show of good will refunded me £35 which was automaticly paid into my account 10 after date of letter this i did not know as i spend a lot of time with my girlfriend and have only just opened letter so can somebody please help me as i am now confused many thanks steve

Twinkly

Sorry your question isnt clear. What exactly is the problem ?

stevo1000

problem no1 i have no idea what i did wrong as i am not very good with the internet but nobody seemed to want to help when i first joined the forums so if you can tell me first how i introduce myself to everybody i'd be greatful... no2 then if somebody cold tell me what i need to do about the bank having paid me back only £35 out £1650 and debited this to my account which has already been done do i continue with court action were do i stand ??? many thanks steve

Beate

Tell the bank that you accept their payment as part payment without prejudice and that you will reclaim the remainder through court. And then do exactly that!

stevo1000

thankyou for replying trying to get used to all this stuff i think i may have started all wrong and did not introduce myself now can't seem to do this at all was i supposed to go into the virtual pub and show some manners can i do this now because i badly need help about my chargs and i'm starting to panic and mess up everything

Twinkly

Its possible that no one was able to help with your query. Its also possible that your query slipped down the queue of questions and onto the second page of the forum before it was answered and it wasnt seen by anyone who could help. There could be any number of reasons but please dont take it personally and welcome to the forum

There isnt any protocols about introducing yourself but for the most part we have manners and use them so dont be offended at no reply.

With regard to your problem. I assume that they have made a payment into the account without informing you and you dont know what to do next. On that assumption I would advise to write (never ever telephone ) and accept it as part settlement without prejudice and advise that you will continue to reclaim the remainder in court.

Alternatively, as its such a low amount, you can reject it entirely and give them another chance to settle...perhaps for an amount you will accept...before proceeding to send a LBA (letter before action) and on to court.

stevo1000

so i just carry on regardless will my overdraft have any affect on this

stevo1000

thankyou takes me so long to type i think maybe it ended up 4 pages away...
so i contact the bank and ask for a more reasonable settlement if no joy then court

Twinkly

Yes you can carry on regardless, its a pitiful settlement offer and they know it. They may recall your overdraft and take the refund against it but you can challenge that if/when it happens, maybe. It depends on your circumstances really.

stevo1000

thankyou for your advice it will be very useful will keep you posted as to outcome thanks again

rach29

Hi Steve,

I dont have a answer to your charges question but I wanted to say dont worry. Everyone was new here at some time or other. You aren't doing anything wrong but you may find it helpful if you post your questions in the thread which relates to your Bank.

i.e. If you Bank with Barclays look for the Barclays Bank thread etc & post your questions there.

Good Luck