A Quick Question Re Monument

[robc]

Hi all, Ive started a claim against Monument to recover £660 in charges, theyve replied offering me half back, and they have decreased their default charges to £12-00, and they are not prepared to review any of the charges that have been applied to my account at this rate. Can I still make a claim for the full amount or do I now have to take their offer, as their charge is now at the rate of the office of Fair Trading's suggestion. Many thanks Robc

[dx100uk]

no you do not.

half pay is std for them

refuse it and go all the way to court.

they will pay at the last minute.

 

if this is a CC & has Payment break plan [you can get that too if mis-sold]

dont forget to calc contractural interest as well.

 

someone has just settle see the monument group.

 

dx100uk:)

[TOT]

robc

 

They have done exactly the same with me, I received my letter today

 

I am fighting for the whole lot!!

 

which is the best template for refusal?

[steven4064]

They are being economical with the wotsit if they are implying that the OFT said £12 was OK. THe OFT said that £12 was a maximum that could be justified and that usually it would be a lot less.

 

However little they charge, if it is more than their actual costs in dealing with your breach then it is unlawful. Go for the lot. Do not be put off by the rubbish, excuses, pleadings, etc , etc that they have sent and will send. Just follow the process on this site and youwill get it all back.

 

The best template for refusal is just the standard LBA with a paragraph stating that you acce-pt their offer but only as a partial settlement of your claim.

 

Steven