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lostandconfused · 28-11-2006, 03:00

update on the bank charge saga, think im going to give up now, it seems like they want a fight and am not sure i can be bothered. am quite impressed with how quick they got back to me, not so impressed with the content though.
this is the reply i got.

"To summarise, you are requesting the refund of any default charges applied to your account in view of the recent rulling by the office of fair trading.

Following publication of the OFT's report on industry-wide credit card charges, i can confirm that HBOS is reducing its card default fees - although it does not support all the OFT's findings.

HBOS disagrees with the legal analysis of default fees outlined in the OFT statement, published in April. however the group confirmed 2nd June 2006 that it will be reducing default fees across its credit card product range to Ãƒâ€šÃ‚Â£12 with effect from 1 august 2006, and until that date all existing terms and conditions will apply. this charge will not be apploed retrospectively, so unfortunatly, no refund of charges is due to you.

I trust this response has clarified our position and resolves this matter for you.

Yours sincerely

xxxx"

28-11-2006, 03:00	#371
lostandconfused Inactive Join Date: Aug 2006 Location: swansea Age: 40 Services: 2 X V+ XL TV XL BB XL Telco Posts: 1,703	Re: Reclaim Your Bank And Card Charges update on the bank charge saga, think im going to give up now, it seems like they want a fight and am not sure i can be bothered. am quite impressed with how quick they got back to me, not so impressed with the content though. this is the reply i got. "To summarise, you are requesting the refund of any default charges applied to your account in view of the recent rulling by the office of fair trading. Following publication of the OFT's report on industry-wide credit card charges, i can confirm that HBOS is reducing its card default fees - although it does not support all the OFT's findings. HBOS disagrees with the legal analysis of default fees outlined in the OFT statement, published in April. however the group confirmed 2nd June 2006 that it will be reducing default fees across its credit card product range to Ãƒâ€šÃ‚Â£12 with effect from 1 august 2006, and until that date all existing terms and conditions will apply. this charge will not be apploed retrospectively, so unfortunatly, no refund of charges is due to you. I trust this response has clarified our position and resolves this matter for you. Yours sincerely xxxx"