Hi everyone,

Ok well RBoS had until yesterday to offer me full refund or legal action. Sent all my paperwork to my local Courts this morning and when I returned home there was a letter from Tommy McLean (pp'd by Ross!) offering a full and final settlement of £2685. My claim is for £4451.76 (before interest etc).

I am refusing (please tell me i'm doing the right thing here, £2685 could reeeeeeeeally come in handy right now what with Xmas coming up!) but my question is - I'll send my refusal letter tomorrow and maybe email too, can I say on the letter something like:

I would be prepared to accept the amount of £2685.00 only on the understanding that this is the first instalment towards my total claim of £4,451.76.

I must advise you that a claim has now been submitted to the Courts since you have failed to refund me the full amount owed. If the amount of £4451.76 is refunded to me I will be more than happy to cancel the claim with Newcastle County Court and accept this offer as full and final settlement.

What do you lot think??????

Thanks!

I think you're selling yourself short if you let them get away with the court fees and the 8% if you've raised your claim already. Sure, the money would come in handy before Christmas, but this was money you weren't counting on in the first place, so why not hold out for 100%?

When are you due to file a claim? Do it as soon as is possible, hold on dear....you may just get the whole lot before christmas, wouldn't that be nice!

It's up to you at the end of the day, but my advice is to stick with it and go for the whole claim;)

Wxx

thanks for your advice!

I sent all of my paperwork away to my local courts yesterday so they should receive that this morning. So yes I've filed the claim and emailed Mr McLean and cc'd Ross McDonald informing them I will accept £2685 only as a partial settlement and that i've already sent away my claim to the court.

So keep everything crossed for me!!!!!!

Lynzilou xxx