Gesture of goodwill payment

[ayzi]

Ok y'all

 

Looking at my statement i have 22 "Miscellaneous fee refund" all entered on the 4th of this month. It gives no indictation as to what dates these refunds apply to so i'll phone complaints (0845 600 6014) and ask for a breakdown.

 

Got a letter this morning hand signed by Martin Dillingham ..

 

Thank your for your letter dated ** August 06, about your bank charges. I am sorry you feel these charges are unlawful at Common Law, Statute and recent Consumer Regulations.

 

Having carried out a full investigation, I can assure you the charges are fully valid and in line with our terms of the account and therefore I cannot agree to refund all of them. However, as a gesture of goodwill, I am happy to credit an amount of £570 to your account.

 

(BIG SNIP EXPLAINING HOW TO COMPLAIN TO THE OMBUDSMAN)

I have so far only threatened court action but for them to give me £570's as a GOGW (thanks Lula) will not in any way affect my claim for unfair charges. I'm still going for the full £1,225.

[Lula]

Lula

 

I thought id missed it out, i agree entirely.

 

Inform the court.

 

Glenn

 

PS you been at the kids gin again?

 

Glenn, I have to hide it from them

[ayzi]

Dear Mr. Dillingham

 

Thank you for your letter dated 04/09/06 in which you made a gesture of goodwill to the sum of £570 placed into my account.

 

I shall accept this as payment for the worry, stress and debt that your illegal charges have placed upon my self and my family.

 

As a gesture of goodwill on my behalf, I shall give you a further 14 days to agree with my request for £1,225 before I commence court proceedings.

 

You should already have in your receipt two copies of the schedule of charges that I am claiming for I see little point in enclosing another copy.

 

Once again, I thank you for your gesture of goodwill.

 

Yours sincerely

 

 

 

ayzi

[Lula]

ROFLMFAO nice one Ayzi

[CrispDust]

Its "unlawful" charges, not illegal, Nit picking but an important point of law.

[ayzi]

Already sent the reply but i shall make sure i don't make the "illegal" claim when i go to court. Cheers for the advice

[emsheki]

Hello all,

I never recieved the letter from abbey ref the GOGW. In any case i followed up with a call to complaints, and they advise (huge inconsistancies), they do not offer these GOGW's in writting, merely by phone.

Subsequenty I have enclosed, at their request a further LBA for the full amount and expect a reply in 14days.

 

Do you guys have any further news?

[ayzi]

Seven days before i submit N1 and i'm a little troubled by my last letter!

 

Even tho Shabbey made a gogw direct to my account and i accepted it as payment for hardship caused, should i go the whole hog and claim the original amount? I'm thinking my initial high of getting something back may have made me a bit cockey

[rrfcfan]

Hi there,

 

I have also received a gesture of goodwill payment of over £600, I have attached a copy of the letter to my initial thread http://www.consumeractiongroup.co.uk/forum/abbey-bank/18848-hi-there-yet-another.html

 

It certainly states a gesture of goodwill. Like the letter states. I will submit N1 in a matter of days. Like ayzi's letter can I accept this payment for distress caused to myself and family and continue to claim the full amount? I have not contacted abbey regarding this payment. Looking at this payment is it made up of 15 x £30, 7 x 20 & 1 x 32 which happens to be my total amount of charges for the last 12 months excluding 2 x 35 charges.

 

So is a gesture of goodwill really what it says? They have not mentioned that they are refund of charges for 12 months.

[ayzi]

I have an appointment with a solicitor this Thursday due to an unrelated matter. I'm gonna push my luck with him and ask just exactly what a GOGW means and if it should be taken as part payment or a gesture for any hardship caused.

 

I shall report back

[ayzi]

Ok! Advice given is that I MUST write giving them a further 14 days to supply me with the dates that relate to my refunds. I did phone Shabbey and they couldn't supply me with any dates as they gave it to me as a gogw and not any kind of refund for charges (even tho i have 22 miscellaneous fee refunds on my statement?).

 

If they do not supply me with the dates or again insist that it really is a gogw, then i will have no alternative but to chase them for the full ammount claimed in court as i cannot adjust my figures to reflect any changes. It would then be up to the court to decide if i have a valid reason for persuing the full amount.

 

There is a chance that it could be thrown out if you have not tried all reasonable attempts to determine if the gogw was just that or refunds for any charges the bank has levied. So be very careful! I believe this is a tactic on Shabbeys behalf to get the matter thrown out of court.

 

On a plus note, my Solicitor did say that he has consulted his partners and are approaching an insurer to secure cases concerning the banks on a no win no fee basis

 

Happy days ahead for the banking industry methinks

[ayzi]

Ok, ok i know it's been a while

 

Abbey suggested that i should contact the FOS if i wasn't happy with there service so i did.

 

Got a reply from the FOS this morning and Shabby have decided to settle my complaint in full rather than invite a formal investigation

 

There's me thinking the FOS was a "toothless tiger"

 

 

Capital one are next the robbing barstewards

[Guest anon]

Has anyone been offered more than they claimed? I demanded a refund of £416. On the same day (coincidence??) that my online claim was issued, I was offered a gogw of £465 'to include cancellation of charges yet to be debited'. (Yes! I am still continuing to run up charges.)

My claim with interest was for £450, but if I continue with the claim I will also get my £50 fee back. Should I accept their payment - It has already been paid to my account.

[Guest sihum]

How much are the charges still to be debited ?

[Guest anon]

My claim ended 18th Feb and since that date they have charged me £110 in fees debited at the end of March and a further £140 due to be debited at the end of April.

[daveasda]

So i'm safe to spend the money without it affecting any court case? I want to pay my £250 overdraught before they close the account.

i had the same problem as you so i rang the clowns at abbey they said as it was a goodwill payment it not effect my claim ......... oh yes ill trust them so i rang the court a very nice woman there said the same as it does not say full and final payment so spend it and carry on