Re: Ladidi v Abbey - settlement offer ** SETTLED**
Here's my spin on it
Here's my spin on it
Dear XXX
Thank you for the interim repayment of charges, received on xx/xx/xx, which were unlawfully taken from my account. You will be aware that I do not consider that your goodwill payment of £xxx in full and final settlement of my claim and I expect Abbey National PLC to abide by the guidelines of the FSA waiver from its complaint handling rules and particularly those guidelines which apply to a firms attempts to resolve a bank charges complaint after 27th July 2007.
Since this interim payment my husband, Mr XXXXX, has become unemployed due to illness and no longer receives any income. I am now the sole earner which has meant a drop of 75% income per month. We have reduced our expenditure as far as possible, but we do not have enough income or benefits to meet our essential monthly outgoings.
You will be aware that there is an amount outstanding totalling £1362.13 charges and interest thereon which currently totals £170.33. Total amount payable from yourselves £1532.46
I enclose an updated income and expenditure sheet to give you our current financial situation, as well as copies of letters from our priority creditors, outlined below.
Mortgage on home - £2800 in arrears
Council Tax - £499.95 in arrears
Secured Loan - £800 in arrears
We have contacted the Consumer Credit Counselling Service and we are currently negotiating with all our creditors and mortgage lender for some respite until my husband recovers is able to find new employment.
It would greatly assist us if you could help us by paying the balance of our outstanding claim, as detailed previously. We will accept part payment direct into our Abbey account to clear the account balance due, with remainder by cheque to pay our priority debts.
Thank you for you time in this matter.
Yours Sincerely
Thank you for the interim repayment of charges, received on xx/xx/xx, which were unlawfully taken from my account. You will be aware that I do not consider that your goodwill payment of £xxx in full and final settlement of my claim and I expect Abbey National PLC to abide by the guidelines of the FSA waiver from its complaint handling rules and particularly those guidelines which apply to a firms attempts to resolve a bank charges complaint after 27th July 2007.
Since this interim payment my husband, Mr XXXXX, has become unemployed due to illness and no longer receives any income. I am now the sole earner which has meant a drop of 75% income per month. We have reduced our expenditure as far as possible, but we do not have enough income or benefits to meet our essential monthly outgoings.
You will be aware that there is an amount outstanding totalling £1362.13 charges and interest thereon which currently totals £170.33. Total amount payable from yourselves £1532.46
I enclose an updated income and expenditure sheet to give you our current financial situation, as well as copies of letters from our priority creditors, outlined below.
Mortgage on home - £2800 in arrears
Council Tax - £499.95 in arrears
Secured Loan - £800 in arrears
We have contacted the Consumer Credit Counselling Service and we are currently negotiating with all our creditors and mortgage lender for some respite until my husband recovers is able to find new employment.
It would greatly assist us if you could help us by paying the balance of our outstanding claim, as detailed previously. We will accept part payment direct into our Abbey account to clear the account balance due, with remainder by cheque to pay our priority debts.
Thank you for you time in this matter.
Yours Sincerely
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