R.b.o.s. Havin` a laff`

stringy102

Hi People. I have been made two offers on both my credit cards from R.B.O.S. But they are both worded as "GOODWILL" offers What they mean by that I don`t know?. Anyway the only way they will refund these "GOODWILL" offers is by deducting them from both my credit card my balances which are more than their offers. I called them and told them in no uncertain terms what I thought of that. I said I had paid hard cash and it was a Cheque I want sent to me, but they refused. It was a "TAKE IT OR LEAVE" attitude on the phone. So in essence I can only accept their GOODWILL offers if I allow them to take the money off my balances. If it wasn`t bad enough taking MY money from me,for many years without my permission,they are NOW telling me what THEY are going to do with MY money??. I think this is totally wrong. I should have the option of either a Cheque or reduce my balance. But they are riding roughshod over me. I have NO arrears with my monthly payments they are always paid on time. I have contacted the Ombudsman who have written to them asking why they refused to send me a cheque. Has anyone else had this problem with the R.B.O.S.?

amersall

See what the FOS come back with, you should get the money to you and they should not hold you to ransom for what is yours, i wonder why this is a goodwill gesture? they clearly have the account numbers, do you have any statements showing the ppi?.

dunstonh

But they are both worded as "GOODWILL" offers What they mean by that I don`t know?.

It means your complaint was insufficient for them to uphold it. However, they are going to pay out anyway. This could be for a range of reasons (cant be bothered to look at your complaint in detail, no evidence of wrong doing but no evidence to support them doing it right etc etc)

I called them and told them in no uncertain terms what I thought of that. I said I had paid hard cash and it was a Cheque I want sent to me, but they refused

You paid it via the card and they are refunding it via the same source it was paid. So, that seems fair enough on their part. You can always withdraw the surplus if it puts you into credit (most card providers will do this at no cost).

If it wasn`t bad enough taking MY money from me,for many years without my permission,they are NOW telling me what THEY are going to do with MY money??

They found no evidence that they were taking it without your permission. If they had then it would be upheld and not a goodwill offer. Also, it isnt something you really want to go on about. The fact that for years you failed to run your finances and paid something you didnt want.

I have contacted the Ombudsman who have written to them asking why they refused to send me a cheque. Has anyone else had this problem with the R.B.O.S.?

The risk of involving the FOS on a goodwill payment is that they are allowed to withdraw the offer. You may win your argument but you have to decide the level of risk you are taking. For example, if the goodwill payment is one that is being made as it is below their floor limit for checking due to backlog then bringing it to the FOS may cause it to be looked at in more detail and they may then find, after looking at it closely, that you have no grounds for complaint at all and withdraw the offer. It doesnt happen often but it can happen.

Sometimes you dont want to look a gift horse in the mouth.

stringy102

dunstonh wrote: »

It means your complaint was insufficient for them to uphold it. However, they are going to pay out anyway. This could be for a range of reasons (cant be bothered to look at your complaint in detail, no evidence of wrong doing but no evidence to support them doing it right etc etc)


You paid it via the card and they are refunding it via the same source it was paid. So, that seems fair enough on their part. You can always withdraw the surplus if it puts you into credit (most card providers will do this at no cost).



They found no evidence that they were taking it without your permission. If they had then it would be upheld and not a goodwill offer. Also, it isnt something you really want to go on about. The fact that for years you failed to run your finances and paid something you didnt want.


The risk of involving the FOS on a goodwill payment is that they are allowed to withdraw the offer. You may win your argument but you have to decide the level of risk you are taking. For example, if the goodwill payment is one that is being made as it is below their floor limit for checking due to backlog then bringing it to the FOS may cause it to be looked at in more detail and they may then find, after looking at it closely, that you have no grounds for complaint at all and withdraw the offer. It doesnt happen often but it can happen.

Sometimes you dont want to look a gift horse in the mouth.

Thanks for your input. I called them again an hour ago. And when I asked the question..."So if I dont accept your terms of payment I dont get anything" and he replied yes. So where does the bank stand on that one. I spoke with a friend also and he said if I get a company to do it for me. Then they have to send a cheque so the company can take their 30% off the total amount. So in essence because I Aam doing on my own I dont get a chioce. Thanks again mate ...joe :-))

dunstonh

I spoke with a friend also and he said if I get a company to do it for me. Then they have to send a cheque so the company can take their 30% off the total amount. So in essence because I Aam doing on my own I dont get a chioce. Thanks again mate ...joe :-))

Your friend is wrong. Some firms are prepared to send the redress via claims companies but many are not. It would also only apply to those that are willing to pay out at all like that. A claims company would not make the slightest bit of difference other than you getting 30% plus VAT less overall.

tifo

it's usual to pay the money towards an outsanding balance first and this is what the FOS will say. After all, it went on the card and it's coming off it.

magpiecottage

Of course if you take them to FOS they may decide to point out that this has been showing on your statements for however many years and it was quite obvious what it was.

From that it is not an enormous leap of the imagination to argue that you should have complained ages ago and they what to simply time bar it.

That would resolve your grievance that you want to maintain your balance on your credit card I suppose but I am not sure that it is advantageous.