OMG Halifax has just made me an offer for repayment of charges?!?

natweststaffmember

stu1975 wrote: »

you can accept this offer and ask them to pay it by cheque made out to you, they do have the right to put it in to the account you are claiming on though.
However, I have always asked for a cheque and this has been done, just be firm with them and make sure you state you will accept as partial settlement and that you will still continue to fight for the rest

The view of the FOS, just so that you are aware and for future reference is that the bank have every right to pay the money into the account that has had the charges taken from it. Since the bank are paying it back as a gesture of goodwill and there is no liability then there is no legal reason for them to repay you by cheque. If they do pay by cheque the balance outstanding is still outstanding so it kinda pokes you in the eye UNLESS the account is already paid off and closed.