So should i accept vouchers ?

[paulminize]

Hi everyone i hope you are all having success with this compaign, i am having various outcomes at the moment, some good, some not so good.

 

MBNA sent me a good will gesture before they even sent my statements !

 

I have had some offers of partial payment and some full, i will update my signature as soon as i can sort exact dates.

 

Anyway onto my question - The fastest no quibble pay out i have recieved so far is from STUDIO - i sent them a prelim and within a week vouchers for the full amount turned up - Brilliant - Howerver i really would like the cash! Would i be pushing my luck to send them back and ask for cash ? Would i then look unreasonable should it go to the court stage ?

Do i have a leg to stand on, or would STUDIO changing vouchers for cash only be on a good will basis ?

 

Thanks for you thoughts

 

Paul

[Glenn UK]

Paul

 

The firsth thing to understand is that you are suing them, you set out the terms you want them to abide by.

 

If they dont want to settle on those terms then they have to be prepared to defend in court.

 

So the choice is yours, you can write back say thanks but no thanks and insist on cash/cheque and if they refuse then follow the proposed route you choose.

 

There is an issue that if they offer full settlement as per your claim then you have to accept. However, unless the vouchers have the same purchasing power as cash then i dont think this applies.

 

they have presumably levied unlawful charges on your account and so you have lost a cash benifit not the option to spend further money with this chosen company.

 

I presume the vouchers can for example only be spent in certain places unlike the beer tokens we are expecting.

 

JMHO

 

Glenn

[paulminize]

Thanks Glen, you are a star.

 

I will ask them for the cash, as i don't really want to spend vouchers with them.

 

Paul

[jellybabe]

Hi there,

i had vouchers of studio and did send them back with the explanation that i won't be using this account in the future and since my payments have been in pound sterling i will not accept anything else than that back of them.

And i did get my money back in form of a cheque.Only thing is they still refuse to pay interest.

[paulminize]

Brilliant - thank you jellybabe x

[Glenn UK]

As a point for dicsussion, sinc eyou are suing them if they wish to settle out of court then they have to meet your terms unless you prefer not to pursue it.

 

So if they refuse to pay interest its a call on the claimants part as to whether to continue with court action or not.

 

HTH

 

Glenn

[jellybabe]

Thanks Glenn,

i was thinking already of sending them a nice little letter asking for the outstanding interest or i'm off to court.Also, i noticed that they charged me ppi on numerous occasions. Not always, just... i assume....whenever they felt like it.Thinking about including that in my letter.

Any thoughts?

And Paulminize.......good luck with yours!I'm sure you got your money very soon.

[Glenn UK]

AS i understand it the way they procure your 'business' with regards to PPI can be important and i know there have been threads about it and im sure some people trying to claim it back.

 

If they dont have any proof you requested it then its a good indicator that it is worth investigating.

 

With my egg loan i had ppi and i never take it out. When i got the copy of the application it is there but no option to de -select it. so its provided by default.

 

i havent made up my mind to pursue it any further as im busy with some other claims.#

 

But i havent forgotten it and suggest you look into it if you have the time.

 

HTH

 

Glenn