Just received a letter is this usual? Guess what, it is

[Guest NATTIE]

First things first, I work for the other side....a bank(sorry if I swore there!) We receive your letters and send a response and sometimes we don't even send that. I have read numerous things that quote letters saying "Is this usual?" Many scream "YES I have the exact same one word for word."

Let's see how many of these phrases are "usual."

Please feel free to add to the list of phrases as the list is not exhaustive.

 

"We believe our charges are fair and transparent" (you still keep losing!)

"The report by the OFT did not consult the banks" ( you still lowered CC charges down though!)

"While we differ in your view, having reviewed your account we are willing to offer an exceptional gesture of goodwill off of £x".(Are you taking the p***)

 

that's a starter so add more to the list with your own comments in brackets. Make sure someone hasn't already posted it already posted it.

[livelylad]

"we will get back to you in 4,6 or 8 weeks" even though you have given them a time frame.

 

 

my favourite "goodwill gesture":D so when i am skint i can right to the bank and say excuse me "can i have a goodwill gesture?" my ass!

[dayglo]

my favourite - unless I here from you in writing within the next 8 weeks I will assume you are completely satisfied with our response.

[Bookworm]

- We'll give you your money back, but only if you agree to confidentiality (ok, they don't ACTUALLY say "your" money, of course ).

 

- We provide a service, so it's not a penalty.

[morgan054]

However on a purely commercial basis, it will cost YOUR BANK money to defend your claim in terms of legal costs that will be incurred. It is unlikely that YOUR BANK will be able to recover these costs (even if the bank wins) because your claim will probably be allocated to the small claims track.

 

 

:D :D

[MARTIN3030]

This is our final offer.................

[Tinkerbelle]

• If you remain unhappy you can refer your concerns to the Financial Ombudsman Service
  
• We are keen to help you avoid any unnecessary charges in the future
  
• Ultimately it is your responsibility to manage your account. If you incur any future charges we reserve the right to withdraw your banking facilities
  
• We're closing your account

[MARTIN3030]

The OFT guidelines only refere to credit cards.............

[Tinkerbelle]

THe OFT said £12 is fair

[MARTIN3030]

For your information we enclose some leaflets which detail our complaints procedure.......

[Bookworm]

Our legal experts disagree with your analysis.

[MARTIN3030]

I apologise for the time taken to reply

[Tinkerbelle]

We do not agree with the OFT

[MARTIN3030]

We do not agree with the OFT

 

 

They dont agree with ANYONE .....who says their charges are unlawful

[skinttrev]

- We`re sorry you felt the need to complain......

 

 

Makes me laugh everytime !!!!!!

[gizmo111]

We are sorry you are unhappy:(

[besty01]

you will not be getting a refund

[Guest willowb]

My client believes your case will fail in Court....

 

barstewards!

[judi3]

hi just wanted to reassure you that ive sent of the template for a signed credit aggreement .

we received a lovely letter from them today with my po of a £1.

 

I refer to your letter dated 15 june 06

as i am sure you will appreciate,Wescot acted in good faith based in this matter on the data provided by our client who forwarded details to us for collection .As we only administer the account on behalf we do not hold detailed information with regarding this account acount,however our client has contacted Wescot and informed us that a copy of the opening agreement is not available at this time .

The account has been closed on Wescot 's system and a copy of your complaint letter forwarded to our client the orrid lloyds .accordingly ,i return your payment for the supply of acc docs YOU SHOULD RECIEVE NO FURTHER CORRESPONDENCE IN RESPECT OF THIS ACCOUNT FROM Wescot

i hope this clarifies the matter to and concludes Wescot's involvement your satisfaction

 

LMAO ALL DAY 2DAY

[pugsley]

I note that you are dissatisfied

I mustinform you however, that we disagree with your legal analysis

 

 

the £12 fee recommended by the OFT

[Boobaby]

This one is a killer:

- With respect to the recent changes in consumer credit regulations, we believe these are not intended to be retrospective and therefore, in our opinion, do not apply as your loan was settled in April 2005 (so if not retrospective we must obviously claim before the charges are incurred?)

 

- Our charges reflect the cost of monitoring your account, which includes both direct and indirect costs (direct and indirect costs being what?)

 

- At the time you signed the agreement you were made aware that there would be charges for sending you reminder letters (never told this and certainly never told the cost).

 

Boo

[gizmo111]

Our charges reflect more than the just the cost of a stamp and envelope

 

Surely you don't believe that it is tenable for a bank to allow breaches with no recourse to my client

 

You agreed to the terms and conditions

 

I am sorry if this was not the reply you were expecting

[Boobaby]

I am sorry if this was not the reply you were expecting

 

Why send this reply then??

[lisamellor]

if we feel our relationship with you has broken down, we may decide to close your account (yes our relationship has broken down as you have ripped me off for years, but no longer!)

[Thailand]

The bank reserves the right to lodge a counterclaim zzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzz