help with letter refusing goodwill gesture please

LozBingley

fuzzypeg wrote: »

Hi sorry if this is in the wrong place, I need help with a goodwill gesture and I can see some great advice here already.

I am claiming the miserly sum of £120 for my mastercard charges. (I already have a separate a/c claim for £450, waiting to hear..)

I had a letter offering £50 "without prejudice" as a goodwill gesture which they have gone and put in my obselete mastercard account!!!

Is there any point in going to court to chase the rest of the money, as it is such a small amount - surely my court fees would cost more than my claim? I'm so tempted to settle, but will this have a bearing on how successful my other current acount claim is?

Any advie please?

Give them a LBA (Letter Before Action) with a Without prejudice offer like this

Without prejudice
The charges, interest and £30 court costs I am claiming total £175 [fill in your own figure]. However, if you are prepared to pay to me £130 (representing 75% of your original charges and interest at 4½%)[again you need to figure yours out] within 14 days of the date of this letter (and, for such purpose, time shall be of the essence), I am prepared to accept this lower figure in full and final settlement of my claim and interest.

This 75% and 4½% worked a treat for me with Marbles Card
And IKEA Card just didn't respond to my 1st letter or my LBA so they are now paying out £175 against the £120 charges I was claiming due to it being "to costly to defend"

meatloaf43154

LozBingley wrote: »

Did you sign anything to accept the Goodwill payment?
Like "I accept this £176 in full settlement" or "I won't make a claim against Capital One"

If you are short on cash claim the £411.29 as a claim under £500 is £50 in court fees but a claim over £500 would cost you £80

Loz,

It was shown on my statement as follows:

OVERLIMIT FEE REFUND £136
LATE FEE REFUND £40

In there letter there was the suusal lawful drivel etc and as a goodwill gesture blah blah.

I wrote to them and accepted it as part payment without prejudice but did not sign anything apart from my letter.

43154

lilymia79

Hi everyone!

Can anyone help me with the last step of my charges....

Basically i've sent off all the letters, statements etc.. and worked out my charges were £601 over the last 6 years, with interest just under £700.

Yesterday a cash payment of £240 appeared in my bank account and then today a letter from the Halifax saying it's a goodwill gesture but they still don't accept they're in the wrong!

So..... I have £240 CASH! But should i hold out for the rest or just take what i've got?

I actually rang them this morning hastily and asked how i could return it and the guy on the phone was really, really nice, i just couldn't disagree with him so i said i'd call back later

But this £240 is burning a hole in my pocket and i wouldn't like to think i could send it back then never see it again

Any advice would be appreciated

LozBingley

Write to them thanking for their Part Payment of your full claim! Tell them that if they fail to pay the full claim amount within 7 days, that you will take it to court. And don't forget to stick to your guns on the time scale! Give them a max of 2 days to allow for postal delays but then enter your claim on-line

Thanks to their part payment you can afford to do this

hm71_2

hi, try ringing the 01977 number and ask if they can put you through to whom ever is dealing with your case and negotiate from there.:T

lilymia79

thanks for your help guys

i rang him back this morning and told him that i may be willing to negotiate on the interest but no more than that, he said he'd send me out a letter confirming i wasn't accepting and that will also include anything else they're willing to offer....

I asked him how i'd go about giving the £240 back they paid in my account and he said don't bother it'll only end up being added to anyway

So with any luck i'll be getting the full amount back, thanks to everyone on here for the advice, templates and help!!

blud_2

[hi
today i have received a letter from the halifax offering almost half of what they owe me thru bank charges, need a bit of advice as whether or not to pursue the rest, please can anyone help, the letter that they sent me was offering me a goodwill offer and will put the money straight into my bank and now im in a major dilemma as to what to do now!!
thanks

Beate

Tell them that you are accepting this money as part payment and without prejudice and will be pursuing the rest through court.

Mandy1980_2

Hi

Have gone all the way with RBS, they have defended there claim (using cobbetts) to which i responded with the advice which was written on here (copy of statements etc.) I then received a letter from RBS offering £1022.33 goodwill gesture when infact i am claiming over £2k inc court costs. What letter shall i respond with rejecting this as i called up and they would not budge on it? and also who do i write back to? Cobbetts or RBS? I would have been prepared to accept £1500....

Thanks so much in advance!

Stephen_Leak

Mandy1980 wrote: »

Hi

Have gone all the way with RBS, they have defended there claim (using cobbetts) to which i responded with the advice which was written on here (copy of statements etc.) I then received a letter from RBS offering £1022.33 goodwill gesture when infact i am claiming over £2k inc court costs. What letter shall i respond with rejecting this as i called up and they would not budge on it? and also who do i write back to? Cobbetts or RBS? I would have been prepared to accept £1500....

Thanks so much in advance!

There isn't a standard letter for this one. There are too many variables.

However, as it is a gesture of goodwill, you can accept it as a "part payment without prejudice" and continue your claim for the balance. If the letter and offer was from RBS, reply to them and NOT Cobbetts (aka "Cobblers"). If one doesn't know what the other is doing, its not up to you to tell them. "Divide and conquer" as they say.

Please read the Reclaim Bank Charges Help thread for information and the Reclaimed Bank Charges Success Stories and Reclaimed Bank Charges Success Stories II threads for inspiration.