Hi there,
I'm following through the step-by-step instructions here with regards to claiming back my last 6 years' of charges from my bank, Barclays. I wrote to them initially to make a subject access request, and although they wouldn't give me the information in the format I requested, they did send me 6 years of printed statements, which I was able to use to make a spreadsheet of the charges against me.
I have since then written to them with this schedule of charges demanding the total amount back (£1,540) using the letter template provided. They initially responded within a few days with their standard "Sorry you're unhappy, we'll get back to you within 4 weeks" letter, but today (9 days after I sent my demand) I have received a letter offering £650 "in full and final settlement of your complaint".
Where I'm confused is what to do next. The step-by-step instructions say "We would advise you to accept this - but only on the condition that it is a partial settlement and that you will continue with your claim to recover full funds." - but how exactly would I ensure that I do this? Surely signing and returning the acknowledgement they have provided me with would nullify my claim to the rest of the amount? I certainly don't intend to settle for less than half of what is owed to me.
So what I'm wondering is what the next step is for me to take. Do I write another letter saying that I accept their partial refund, without signing the agreement they sent me? Or do I sign it but also send a letter explaining that I don't accept this as 'final'? Or should I simply proceed to the Letter Before Action?
Advice, suggestions etcetera would be appreciated!