Loan complaint not upheld but offered good will gesture

Lauren2727

Hi I just wanted some advice regarding what to do next after my complaint not being upheld by safety net credit, but a good will gesture instead offered. They have offered to clear my balance of around £1200 and be marked as settled.
To give an idea, between February 2015 and November 2016 I repaid £17,600 roughly.
I was regularly having to borrow and pay back the money as my limit increased, to the highest of £1100 a month.
I also had a gambling issue which was clear to see as safety net credit have access to all bank statements. I had other pay day loans I was also taking out. 
Do people think its worth me escalating further to ombudsman as safety net credit has said it is their final response, but I'm confident it wasn't used properly and I was in a cycle of lending money days after paying off what I had borrowed to get through. 
Thanks 
Lauren 

Willing2Learn

Hi Lauren and welcome to the forum 

If it were me, I would accept the goodwill gesture, balance cleared and all negative markers removed from your credit files, if that is what they are offering you in writing.  You would might get less via the FOS...  You may get more...

chanz4

Clear balance or they offer you £50 gogw via the ombudsman, big risk what else you wanting?

Lauren2727

Thanks all decided to accept and confirmed on the basis that they do mark my file as settled completely. One less thing to worry about I guess 

TripleH

The way to look at it is that it is a win and closure.
Make sure you get the confirmation of your file being settled in writing and save it for future reference. The last thing you need is for it to be accidentally sold on as a lump sum debt balance and you have the stress of arguing it is settled 4 years down the line because someone firgot to dot all i's and cross all t's