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

Thanks for the info P, I'll keep everyone posted foxi

Hi Paintball I sent my LBA & 7 days later Smile paid up into my account £829 today yippppppppee!!. My total charges came to £1150 but what I've done is transferred the £829 to a linked account & will accept that as part payment & go for the rest. What template shall I use ...to get the outstanding amount. Any advice. foxi

Ok thanks I will start my own thread foxi

Hi... ' can't tell you my name', Happy New Year & thanks for the info that your offering its greatly appreciated. I need to ask. Having totalled up my charges I wrote to Smile & registered all my letters to them. But I didn't ask them to pay up within 14 days!! I got a reply back in writing within a few days telling me sorry that I've made a complaint etc & that they are investigating. There was no mention of how long it will take them. Can I send them a secure message at this point & also is it 14 working or calender days? Any advice please on how I shall deal with this. foxi

Thanks Didge for the info i'll check it out. foxi

Hi all, My first time to the site. I sent off my first registered letters to Abbey, Halifax & Smile. Had a replies from Smile and Halifax but nothing from Abbey to acknowledge my request for DPA. Shall I sit tight with Abbey or chase them on whether they have received my first letter or give them their 40days to produce my data then act?? foxi