Hello everyone - 'Goodwill payment' won from Abbey - can I go for the rest?

[southcoastgirl]

Last year, with the help of everyone on this site, I began a claim for bank charges against Abbey. After receiving copies of all my bank statements I wrote my Letter Before Action and received a credit to my bank account of £510 which was about 35% of the total I was claiming.

 

At the time I was so up-to-my-neck in other things going on in my life and so pathetically grateful to get £510 that I didn't pursue the remainder of the money. Since then, I've been 'meaning to' get on and claim the rest and have now found the necessary determination to do so. My question is - can I do this, or would there payment to me somehow be deemed to have settled the claim? I never received anything saying this was 'full and final settlement' and never signed anything myself. Please someone tell me that I can get the rest of my money, plus the extra charges they have applied to my account since then!

 

Can anyone advise please?

Thanks

Linda

[Todge]

Linda

 

So glad that you didn't sign anything! They might still argue that your acceptance of the money implies acceptance of 'full and final', but don't be put off.

 

Pick up your case from where you left off, and continue from there.

 

Write and say that you acknowledge the payment, but you accept it only as part payment. Then ask for the rest, plus any new charges, plus interest. And carry on from there.

 

This might help you get 'unblocked' ...

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

Good luck!

[southcoastgirl]

Thanks for the advice. I was just worried because such a long time has passed since they put the money into my account (about 8-9 months?) Played right into their hands, didn't I?!

[Guest louis wu]

Hello, Todge is correct, but just to add, you need to start your claim from the beginning again, with another preliminary approach. Also, when it comes to doing your spreadsheet, add ALL of your charges (from when you began your account), but ALSO add the goodwill payment, but make sure this is entered as a MINUS amount. This way, you will get maximum interest and all charges will apply.....it will also be honest and transparent should anyone look closely at it:), and we don't want to give the banks anything to dispute.

 

As to falling into their hands, well, you did get a parial refund, and they've just been keeping the rest of it warm for you (plus you'll get the 8% interest, which is better than a savings account)

 

Best of luck

 

Louis

[southcoastgirl]

Thanks for the advice Louis. So I should send a further Letter Before Action and set out all the default charges, add interest, get a total, deduct the goodwill charge and claim back the remainder? I could kick myself for not carrying on last year, but life got in the way and before I knew it months had elapsed.

 

Oh well. I'm going to really go for it again now!

 

Also, I'm going back to your post to link through and sign those petitions. I am so fed up with being pushed around by financial organisations...

 

Thanks again,

linda

[Guest louis wu]

Southcoast girl, you need to use a spreadsheet, they're in the templates library. There are many to use, but you start with a simple 'without interest' one. Include all the charges in date order, and deduct the GOGW at the date it was given (remember to minus the amount).

 

Then, at court stage, you use the simple 'with interest'. It is basically the same, with the same inputted info, except it calculates the 8% interest for you.

 

Any problems let us know.

 

Louis