Accept offer or fight on?

[monki]

I wrote a cahoot asking for list of charges and demanding that they be repaid within 14 days. I received an email acknowledgment saying they would respond properly within 5 working days.

After 6 working days, I contacted them again by email to say I still hadn't received a satisfactory response.

The following day I received an email saying a list of the bank charges was in the post and they came to £495.

The refuse to admit that the bank charges were unfair, said they were in line with what other banks charged and were advertised when I opened my account. If I didn't like it I could go elsewhere.

They did however offer me a £250 gesture of goodwill providing I didn't go ahead with a court case.

So I've got them on the run.

I'm tempted to go for the full amount, but have a £7,000 loan still outstanding with them, repayable over 6 years.

I'm concerned about having my account closed and cahoot demanding I repay the money.

Presumably, they've entered into a fixed term contract so they couldn't this.... or could they?

Many thanks.

[Steward]

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