abbey goodwill gesture

tvaddict

hi any help would be appreciated will quote letter below
i had a credit card with them form 2000 till 2004
recieved this letter today
ok letter bit long so will quote relevent parts
basically they are saying they due me noting when i know they are
but last part says
howver it appears you disagree with the position and you are dissatisfied with the offer that was made to you (no offer was made) we have therefore arranged a goodwill gesture of 75 pounds which is enclosed this means we have re paid the full amount of default charges which have been applied to your acount over the past 6 years (not had an account with them for past 6 years
) this does not mean we accept or agree with your complasint but i trust you will fine thius is an acceptable soloution
this is our final response to your comlaint if you remain disatisfied you may refer to the fo
and they have enclosed their address and told me they will not correspond with me any more only with the fo
are they trying to pull a fast one
i have written straight back to them telling them no way this is acceptable and explained rteasons
if no joy i will then go to fo
is it ok to cash cheque?
thanks in advance

Premier_2

The bank have informed you they do not agree with your complaint.

The bank have offered you £75 goodwill gesture.

I would cash the cheque (if for no other reasons than security). If you feel this is totally unacceptable, you could ask them how they would like the money they sent you back.

As regards your complaint itself, they have already informed you it is their final decision in the matter and suggested you refer it to the FOS if you are unhappy (who, based on what you have said, I suspect will also not uphold your complaint)

Personally, I suggest you take the £75 goodwill gesture they have provided in the spirit in which it was given; it's £75 more than than you had yesterday.

podperson

Ok firstly they will never admit they owe anything and any offer will be a 'goodwill gesture' since if they say they are refunding you the charges it implies that they are admitting there was something wrong with them in the first place.
They say that the £75 covers all the charges made on your account - is this correct? If so what is it that you are finding unacceptable about the offer, were you claiming interest back as well? If you are cashing the cheque make sure you write to them recorded saying that you are accepting the payment in partial settlement only, otherwise they could just say that taking the money was acceptance of the offer.
All the offers I have received from credit card companies have said final offer on them, but some have sent other offers since. If they do refuse to pay any more then would have to either accept the current offer, take to fos (although if it's interest only you are chasing might not get too far with them) or go the courts route (which I'm on at the moment).

zppp

tvaddict wrote: »

hi any help would be appreciated will quote letter below
i had a credit card with them form 2000 till 2004
recieved this letter today
ok letter bit long so will quote relevent parts
basically they are saying they due me noting when i know they are
but last part says
howver it appears you disagree with the position and you are dissatisfied with the offer that was made to you (no offer was made) we have therefore arranged a goodwill gesture of 75 pounds which is enclosed this means we have re paid the full amount of default charges which have been applied to your acount over the past 6 years (not had an account with them for past 6 years
) this does not mean we accept or agree with your complasint but i trust you will fine thius is an acceptable soloution
this is our final response to your comlaint if you remain disatisfied you may refer to the fo
and they have enclosed their address and told me they will not correspond with me any more only with the fo
are they trying to pull a fast one
i have written straight back to them telling them no way this is acceptable and explained rteasons
if no joy i will then go to fo
is it ok to cash cheque?
thanks in advance

If you bank the cheque, you have accepted it in full and final settlement. This will close the case and the FOS will not proceed with it. You need to decide what you want to do, take it up with the FOS and rip the cheque up, or bank the cheque and have done with it.