Credit Card Reclaiming Discussion

barloo69

maegaz wrote: »

I am on the process of reclaiming default charges from MBNA amounting £294.15. On July 30 I recieved a letter from them stating that all their charges are fair and on the agreement but offering me £104 as a matter of goodwill. I wanted the whole amount so I sent the 2nd letter threatening to go to court but put without prejudice will accept £250 on July 28 (did not put on account the £104 that they will be sending). I recieved another letter from them with a cheque £104 enclosed they did not say that it will be their final settlement. So I presume that they would just send the remainder of my offer which is £146 but its been 15 days and I still haven't heared anything from them. What should I do now? I still have the cheque and haven't cashed it yet just to be in the safe side.

I hope you can shed some light on this part. Very confusing.

Thanks

Send another letter to them RD acknowledging receipt of their cheque which you gratefully accept as a part payment and without prejudice and that you are still seeking the difference amount ie £146. 14 days to comply or court/FOS.

Makes no difference if you bank the cheque or not though, as they cannot enforce the act of banking a cheque as a acceptence settlement (personally I would bank it asap, as I would rather it earn interest in my account than still in their coffers. )

good luck.

stellaboy

where are the links for the template letters please,when i to the pages to click on it is blank

natweststaffmember

stellaboy wrote: »

where are the links for the template letters please,when i to the pages to click on it is blank

http://www.moneysavingexpert.com/reclaim/credit-card-charges
The above link should get you to the guide where the template letters are located

stellaboy

i have tried to open the links but at the moment my computer will not open them for me,never had any problems before

natweststaffmember

stellaboy wrote: »

i have tried to open the links but at the moment my computer will not open them for me,never had any problems before

Did you get a pop up asking you either to save or download the letter?

stellaboy

just clicked on your link,and had awindows message saying not a valid message check against diskette

natweststaffmember

stellaboy wrote: »

just clicked on your link,and had awindows message saying not a valid message check against diskette

Ok the link was to the guide to reclaiming so click on "reclaim 1000's", 3 along from Martin's face(at the top of this page). On the page it gives the numbers of templates downloaded. The 4th one down is credit card reclaiming. click that and it will take you to the guide and follow the steps which has links to the templates.

stellaboy

clicking on the links but nothing for the templates coming up not even for the calculator and ive got three lots of charges to get through

stellaboy

just had a word with the wife and she said that the windows office is not on properly,had some work done on the computer before i went away,thanks for your help natwest i'll have to pick your brains later.

maegaz

barloo69 wrote: »

Send another letter to them RD acknowledging receipt of their cheque which you gratefully accept as a part payment and without prejudice and that you are still seeking the difference amount ie £146. 14 days to comply or court/FOS.

Makes no difference if you bank the cheque or not though, as they cannot enforce the act of banking a cheque as a acceptence settlement (personally I would bank it asap, as I would rather it earn interest in my account than still in their coffers. )

good luck.

Thanks ever so much barloo69. But what is RD? Sorry if its a dumb question. And is there a template I can use for this letter?
Thanks again.