I won, but not offered full ammount.

[jackglass]

I've been offered £688.16, £100 short of what I asked for. They also refuse to offer me the cash in the form of a cheque or to transfer the cash too another account. My account has been frozen because I am paying their loan back through a debt managment service, who pay my loan at a lesser ammount for me, so they will take the cash and put it straight towards the debt.

 

This would not normally be a problem, but I'm moving house on the 4th April, I am unemployed and this money would have helped me get the house in order...even £200 would be a great help.

Seeing as there's no way to get the money to another account, I'm going to refuse the £688.16 and get the extra owed; if it's going to be put towards my loan I might as well get the full lot.

What letter should I send the bank now? Do I need to send one that states I accept this payment of £688.16 as part payment of the £773.16.

 

Just wanted to point out that they never replied too both letters within the two 14 day periods. I had to email & send a letter of complaint to the bank ref the 'RBOS senior Customer Relations Manager' not replying too my registered letters (in essence they've had 3 letters, 1 phone call & 1 email in total before I even got an offer).

 

Even then they asked me if I had the letter receipts when I spoke to them on the phone (saying it would better my chances). The offer letter only came in this morning because of two separate complaints I had made, it's short of £100+, I did not ask for any interest payments, they will not pay me by cheque or transfer the cash to another bank. I'm currently unemployed and receiving job seekers allowance, this goes into a different bank.

 

PS

The letter they sent states that as a gesture of goodwill and without accepting any responsibility, they are willing to pay me £688.16 and to sign the letter accepting this ammount (which I am not going to do). I have 8 weeks to reply or they will close the complaint. You have to laugh when they say a goodwill gesture, that's something they give when you get your first bank charge refunded. I also mentioned I used to work for them (RBS Mortgage Center) and have an unfair dismissal review coming up soon...this may also go to court depending on the outcome.

[isidore]

I've been offered £688.16, £100 short of what I asked for. They also are refusing to offer me the cash in the form of a cheque or to transfer the cash to another account. My account has been frozen because I am paying their loan back through a debt managment service, who pay my loan at a lesser ammount for me, so they will take the cash and put it straight towards the debt.

This would not normally be a problem, but I'm moving house on the 4th April, plus I am unemployed and this money would have helped me get the house in order.

Seeing as there's no way to get the money to another account, I'm going to refuse the £688.16 and get the extra owed; if it's going to be put towards my loan I might as well get the full lot.

What letter should I send the bank now? Do I need to send one that states I accept this payment of £688.16 as part payment of the £773.16.

 

Just wanted to point out that they never replied too both letters within the two 14 day periods. I had to email & send a letter of complaint to the bank that he 'RBOS senior Customer Relations Manager' had not replied to my registered two letters. Even then they asked me if I had the letter receipts when I spoke to them on the phone. The offer letter only came in this morning because of two separate complaints I had made, it's short of £100+, I did not ask for any interest payments, they will not pay me by cheque or transfer the cash to another bank. I'm currently unemployed and receiving job seekers allowance, this goes into a different bank.

 

PS

The letter they sent states that as a gesture of goodwill and without accepting any responsibility, they are willing to pay me £688.16 and to sign the letter accepting this ammount (which I am not going to do). I have 8 weeks to reply or they will close the complaint.

 

Hi Jack. Unfortunately, there's not a great deal you can do with where it gets paid and you are right to go after the last 100. You are correct in your assumption that you need to send them a partial settlement letter BUT given that the deadline is up for your LBA, you should really be considering taking them to court now.

 

There is relief for people who are unable to pay court fees and I think as you are unemployed they may be paid for you (you would have to look into this). Given the amount of money, you would be in the small claims court, so would not be liable for anything if something went wrong but more critically for your position, you would then be able to add 8% interest to your claim meaning you could pay off even more of your loan when this eventually does get settled.

 

If it were me, I would seriously consider not responding to them and filing in court instead.

[Villafan]

Hi just a thought but if you take it to Court can they credit the money against your loan account or can you insist that they pay it directly to you by cheque? I'm sure I read on another thread someone who had taken court action requested a cheque instead of it being paid into their bank account.....maybe one of the mods will be along shortly & could clarify it for you.

 

Villafan

[isidore]

You can insist, but it's whether or not the judge agrees with you. Plus you couldn't just go to court to argue where the money gets paid. Ie, if you were offered full settlement in your account you couldn't proceed to court arguing for a cheque but in essence you are entirely correct and this is something that jack could do as part of his claim (assuming he proceeds).

[jackglass]

Thanks folks for the replies, really does help and this website has been excellent at giving advice. I've followed the advice to the letter and got this far, so I'm gonna contact legal aid and find out if my court fees can be waved on grounds of being unemployed.

 

The RBS called me back today because I'd spoken to a staff member about unhappy I was. The guy I spoke to from the Support Unit was called Lewis (seemed a helpful & sincere kinda bloke). He also said a cheque at this stage is not a possibility. I asked if I could even get £200 for myself to help finance the move to my new house, they could take the rest towards my loan; if they agreed I would not pursue the extra £100 or the 8% interest via court action, so he's gonna call me back about this. They know I'm moving because I also sent them a letter stating my new address as of the 4th April.

 

All I want is £200 for carpets and to help with decorating costs (they can keep the rest)...fingers crossed.

 

The good thing I have is the fact they did not respond to both my letters within the correct timescales and they did not contact me until I put in a two further complaints. I'd also like to add that I used the consumer group sticky labels, which I know helped. When they called me they knew I was serious and had a great website/backing on my side. I'd advise everyone to do this and for the price, it makes a difference...in my opinion.

 

Unless they let me have £200 cash, then I'll hhave too go to the court and request a cheque from there. They've already broke the rules by not replying to both letters with the given timescales and I thought that by leaving out a few quid in interest might have swayed them more to help me out.

 

Cheers folks.

 

PS

I'm also claiming against the TSB (got half my statments), but the cash from that will pay that small loan off, so I have no issues there.

[jackglass]

What form should I download, gonna take them to court, they not only failed to respond to two letters, but promised two call-backs that were never received...that's the last straw for me.

[skbuncks]

Hi JackGlass

You need to use the N1 form, I recommend the hard copy version over MCOL. A guide to filling in the form can be found here POC N1 Hard Copy Version and the actual form here N1 form in pdf formate with form filling. Remember you can now claim 8 % interest so you will need to complete the simple spreadsheet here Spreadsheets. This should add a fair few pounds onto your claim. As you are unemployed you may be exempt from paying court fees (which is £80 for claims under £1000). A guide to exemptions is here Court Fees Exemptions. You will need to fill in a ex160 form here Court Fees Remission Form EX160 and a guide to completing it is here Court Fees Remission guidance.

 

Good luck

skb