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Partial Success Advice Needed Please


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After a long drawn out negotiation I have been awarded a full and final settlement of £7,200 from a claim of £7,405. (£6,107 plus £1,298.63 interest)

The thing is that I am inclined to accept the offer but would prefer it to relate to the dates of the charges as opposed to Full & Final is there a way to do this.

I think I have been quite fortunate with this claim so far as I have won a pre 6 year summary action by default and even though I live in Scotland there offer is for the period Sept 2000 to Sept 2006.

Also the only reason that I would like the offer based on the dates of claim is so I can claim any charges that were levied from the account before 22/12/99 which because of the problems with second court cases in Scotland I think I could only get through negotiation with the bank which to be honest may be a lost cause, although I do like a challange:)

 

What are your views should I quit while I'm winning!!!

 

Cheers

Advice given is purely my opinion, and is not based on any legal training.

BOS Credit Card...........................Hearing Date 07/02/07

Full Settlement..............................13/02/07

BOS Bank Account .........................total charges £8,655.92

1st offer..............................................£1620.00 01/12/06 Rejected

2nd offer.............................................£3255.00 03/01/07 Rejected

Summary Action victory.................£1499.02 22/03/07

Full and Final offer............................£7,200 19/04/07

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Well done, Pict. Great result. I'm not to sure about the Full and Final bit. Both my cases with HBOS were settled but they never mentioned a Full and Final payment. With my second claim, a Summary Cause they just stuck the money in my account without a peep.

 

All the best with whatever you decide to do.

 

Regards.

 

Scott.

 
 

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Cheers Scott.

I'm becoming more inclined to accept the full and final after sleeping on it.

I posted this in the Halifax/Bank of Scotland section as well.

Advice given is purely my opinion, and is not based on any legal training.

BOS Credit Card...........................Hearing Date 07/02/07

Full Settlement..............................13/02/07

BOS Bank Account .........................total charges £8,655.92

1st offer..............................................£1620.00 01/12/06 Rejected

2nd offer.............................................£3255.00 03/01/07 Rejected

Summary Action victory.................£1499.02 22/03/07

Full and Final offer............................£7,200 19/04/07

Pict...............

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