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Gesture of goodwill

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I know it's late but I just found this forum and I was hoping someone could advise me please.

The Halifax were supposed to have completed my mortgage repayment and a small personal loan by April 20th out of a lump sum that had recently been paid into my account. They still hadn't done this by the time I came back from a holiday on May 6th. I telephoned the branch (yet again) and spoke to the branch manager. She had sorted out a full completion of my instructions the same day but couldn't give me a reason why it had not been done.


They took out a further repayment on May 1st for my mortgage and 24th April for the loan, which left me very low on funds, and I wouldn't have been able to pay my bills except that I had an insurance policy mature with the funds going into my current account.


I wrote a polite letter advising them of the events and stated that I was very distressed and worried about not having sufficient funds in my account to pay my bills, and that they hadn't carried out my instructions. I asked for them to repay interest on the mortgage and loan incurred during the time they should have re-paid the loans out of my lump sum.

Tonight I recieved a phone call from the Halifax stating they would backdate the re-payments so that there 'would be no financial loss' to me. As a gesture of goodwill they offered me £50.00 when I said that was an insult, he asked me what I thought would be an amount I would be happy with. I said I would think it over. I have no idea how much to ask for. I do not want to ask for too much, yet I don't want to ask for too little either. I was wondering if people would be able to suggest a figure please. I was genuinely worried, as I have never been in debt and have recently retired so my income is much less now than it was when I was working.

Thank you

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  • 2 weeks later...
Guest Old_andrew2018

why not ask for £250, should you complain to the FOS they will have to pay £400.00 as a levi for the investigation, and then compensation if your complaint is upheld.

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