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Partial Payment rejected now what


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Hi Everyone,


I need some advice, Smile took the liberty of depositing a part payment into my account, then telling they would consider this the end of the matter. I sent them the standard reject letter 4. Now I am in the process of starting my court claim and completing my particulars of claim. Smile have not taken the money back from my account, so do I just claim the balance or just go ahead and claim the full amount (gosh they are messing up my claim!!). The difference is about £60 (not inclu interest)


Now if I go ahead and claim the balance, do I also claim the full interest on the total amount or just the interest on the balance (I'm claiming contractual interest also.)


Total claim was £455.00

Contractual Interest 25% today £113.79 (daily rate 0.061%)

Total today 568.99


Paid in my account £390.00. (they paid this amount because they deducted Debit Interest, which in fact was not included).



Lloyds TSB: Settled after FO assistance

Co-operative Bank: Settled - Goodwill gesture:)

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hi nads, can you post what their letter said?


I think if it were me, in these circumstances I'd raise the claim for the full amount. what would happen if you only claimed the £60 and then they reversed the refund as you had asked?


lets see exactly what their letter said before making a decision one way or the other

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