Received "good will payment" - but called "refund"

[Jim0203]

I have receieved £94 as a "good will gesture" from NatWest, along with a letter including although the usual gumph along the lines of "we're justing doing this because we are nice, this isn't a refund and we don't agree that our charges are illegal".

Another part of the letter actually said:

Acceptance by you of this payment will be in full and final settlement of all claims you may have relating to our charges and strictly on the basis that you agree not to disclose to any third party the fact of, or any details relating to, this payment

Which, as far as I can tell, is bull****.

Anyway, I just checked my online banking and the payment was been entered as a "refund", which suggests that it must be linked, directly, with an initial payment on my part. That is, the money they have transfered into my account is explicitly a refund of the charges they levied. This seems to me to be quite a concession by NatWest.

I'm not sure if this helps from a legal perspective, but I thought it was worth a shout. Any admins want any further info, get in touch.

[Bookworm]

If you have the nerve, you should write to them, say you do not accept the confidentiality clause, that they might as well take the £94 back and you'll see them in court. I certainly don't think you should leave it at that, as you could be deemed to have accepted it if you didn't challenge it.