Smile.. issuing Gestures of Goodwill ..(GOGW)

[foxi]

Hi All,

Can anyone tell me whether a Gesture of Goodwill (GOGW) can be used as part settlement or is this something one can keep, as well as pursue a claim for your full unfair charges?? What shall I do.......... help!

Here's my story so far, I was offered a GOGW from Smile of £800 despite my total charges being £1150. In fact they put the money into my account without my knowledge and I didnt get a reply to my LBA. When I discovered the funds in my account I didnt know why they put this amount in the account with no explanation. I didnt get any correspondance in the form of a letter, phone call or secure message so
I put the £800 into another cooperative linked account but havent touched the money.... is this ok??

Anyway sent a template letter 'Response to their settlement offer' this morning stating that I only will accept the £800 as part payment on the understanding that I will recover the rest through a County court claim if necessay.

When I got home today ..low and behold they sent me a BACK DATED LETTER which didn't correspond with my LBA dates ( all very convenient ) Smile's letter says ...' £800 has been returned to your account as a GOGW and that they will not refund any interest according to their terms and conditions and that they wont refund any charges unless there's a bank error & giving me 30 days to close my account ( thats fine coz' I've another one - hee hee!!)

Can anyone give me some advice. Shall I send a secure message asap telling them to ignore the Response to settlement offer' letter and send another letter stating that I accept the GOGW but that they return all unlawful charges imposed on my account of £1150.???????

foxi

[dx100uk]

right, you need to do some reading of other threads and the step by step guide.
every settled claim that has been made on here will be 'a goodwill gesture', the banks will never say 'here is the money back from illegal charges we have made on your A/C', if they did , they would be admitting they are wrong.
i doubt they did send a back dated letter either.
IF your outstanding money from them is now only the interest you added, then they are quite within their rights, so far only one claim has been paid where compounded and/or contractural interest has been claimed from start. you dont say if you went to MCOL stage i'll guess its not the 8% of that.

now read a few of the smile mails , i think they have closed A/C's before, but if it is retalitory action i think you can sue them.

dx100uk

[foxi]

Originally Posted by dx100uk

right, you need to do some reading of other threads and the step by step guide.
every settled claim that has been made on here will be 'a goodwill gesture', the banks will never say 'here is the money back from illegal charges we have made on your A/C', if they did , they would be admitting they are wrong.
i doubt they did send a back dated letter either.
IF your outstanding money from them is now only the interest you added, then they are quite within their rights, so far only one claim has been paid where compounded and/or contractural interest has been claimed from start. you dont say if you went to MCOL stage i'll guess its not the 8% of that.

now read a few of the smile mails , i think they have closed A/C's before, but if it is retalitory action i think you can sue them.

dx100uk

Thanks for the info dx100uk,

i thought that was the case........ regarding the interest. Well, looks like I got my money back then. I will read further threads.

foxi

[dx100uk]

yep, by all means, go with your gut instict.
i'm trying the same tact with the co-op, see where it goes.

dx100uk