Thread: rejecting offer including draft POC

Just a quick one to see what everyone thinks of sending a draft copy of my POC with a letter rejecting Lloyds "goodwill payment" . My brother in law (who is a lawyer) suggested it.

I received a piddly payment direct into my account a couple of days ago (even though they said it would take 10 days).

Everything is ready to file my claim at court (2 months after my lba)!!! Frustratingly the delay has mainly been due to costs... if only I could use some of the money, but I'm not going to touch it.

Has anyone done this before? Is there anything to gain or lose by doing so?

Any comments would be welcome...

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Hi Crystal,

There are two options you can do at this point. One, accept the payment as part settlement and inform the bank that you will be lodging a claim with MCOL for the outstanding amount. Or Two, send a letter to the bank rejecting their payment and authorising them to remove it from your account, and that you will be taking them to court for the full outstanding amount.
As they paid the money so late after the 28 days requested in the two letters you sent, I would personally opt for the second choice. Infact, this is what I'm currently doing with MBNA credit card (they offered me a £460 settlement of an £880 claim).
Here are some sample letters you can use to send to Lloyds:
http://www.consumeractiongroup.co.uk...ng-offers.html
Enjoy!
Stubbs

Thanks Stubbs, I'm going to take the second option too. As tempting as it is... I'll authorise them to remove the money.
I wonder what effect enclosing my particulars of claim will have. They might realise I really am going to follow through and take them to court and pay up ! or they might not... either way I don't think I will lose anything by doing it.

can't WAIT!!!!