Difference between revisions of "Preliminary Approach For Repayment"
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<blockquote><div style= "font-size:87%;"><font color = #EEEEEE> — </font> | <blockquote><div style= "font-size:87%;"><font color = #EEEEEE> — </font> | ||
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+ | [their address] | ||
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+ | [date] | ||
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Dear Sir/Madam, | Dear Sir/Madam, | ||
− | ACCOUNT NUMBER: | + | ACCOUNT NUMBER: xxxxxxxxx |
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<B>My request</b> | <B>My request</b> | ||
− | I am writing to ask you to refund to me the charges which you have levied from my account over the last | + | I am writing to ask you to refund to me the charges which you have levied from my account over the last XXXX years. |
I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law and contrary to consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your charges really do reflect your costs. | I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law and contrary to consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your charges really do reflect your costs. | ||
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<b>What I require</b> | <b>What I require</b> | ||
− | I calculate that you have taken | + | I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX . |
I enclose a schedule of the charges which I am claiming with this letter. | I enclose a schedule of the charges which I am claiming with this letter. | ||
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Banks and building societies will have to conduct a filtering process to ensure that cases of genuine hardship are still dealt with during the waiver period. Cases of hardship would still be entitled to be referred to, and dealt with by, the FOS." | Banks and building societies will have to conduct a filtering process to ensure that cases of genuine hardship are still dealt with during the waiver period. Cases of hardship would still be entitled to be referred to, and dealt with by, the FOS." | ||
− | I believe that my personal circumstances fall within this category because | + | I believe that my personal circumstances fall within this category because....... [add whatever you think relevant] </span> |
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− | + | [name] | |
</div></blockquote> | </div></blockquote> | ||
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Latest revision as of 10:49, 11 June 2008
What Is It?
A Preliminary Approach For Repayment letter should be the first letter you send, along with your schedule of charges, to ask for your money back.
An Example of A Preliminary Approach For Repayment Letter
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Red - only include if necessary
DON'T FORGET TO INCLUDE YOUR SCHEDULE OF CHARGES WITH THIS LETTER
Download This Letter
MS Word Format: PRELIM.doc
Page created by Me01273 02:35, 20 June 2007 (BST)