Full Refund HSBC. Should I take. No Default Removed

[jayenevin]

HELP. I have received an offer for the full amount of my claim for £1900.00. It is a "goodwill" payment as in their words

 

"We are, however, mindful of the management time and recoverable legal costs that may be incurred in relatio to such a claim. For those reasons alone and without any admissio of liability whatsoever, we are prepared to make a payment to you for the sum of £1900.00 in full and final settlement of this matter"

 

What it doesnt cover is the default removal which is also important. What should I do next. Should I accept or do I take it to the next stage and maybe lose everything. I have searched through the archieves to see if I can find a template to accept their offer but only on condition of removal of the defaults.

 

Anyone any ideas!! :?

[Celicaman]

Hi, welcome to CAG.

Im pretty certain that if they have offered you the full amount you were asking, that basically you have to accept.

You have asked for and got back what you asked for. you are very lucky, most of us are still waiting and have to go the long way round, It could be that HSBC are just returning money if it is a clear cut claim, as they have thousands to do.

As for the default notice, have a look at these 2 threads, also use the search box near the top & type in default removal, it will bring a list of dfault related items up, have a read.

 

http://www.consumeractiongroup.co.uk/forum/word-banks/9349-removal-default-notices-credit.html?

 

http://www.consumeractiongroup.co.uk/forum/legalities/11659-how-get-your-default.html?highlight=default+removal

 

 

You didnt say at what stage they have offered you your money back, Pre lim LBA or MCOL. Which was it , just out of interest so the mods know

 

i would say, take the money and deal with the other issue seperatley. However i know nothing about default stuff, read up on it and well done another victory.

 

CM

[jayenevin]

Yes I was surprised by this as I had geared myself up for Court claim. I had broken it down into 2 claims due to it being 2 bank accounts, one for £755 and the other for £1145. Maybe this helped?? Who knows??

 

The offer came through after the LBA. Id left it a while (about 1 month) as I had some familly problems and I put on the back burner.

 

I had to ring them a few times as they were getting silly with my overdraft and spoke to them quoting some of the bumpf I picked up from this forum basically threatening them with a complaint to the OFT as they were in breach of their terms and conditions and subsequent court action as I had not had the courtesy of a response after the LBA and they were trying to take away my overdraft.

 

Saturday 3 letters landed on my doorstep, 2 from them and a partial refund from Cap One (already accepted part payment but written back asking for the rest)

 

I might just give them a call on Tuesday and see if I can get anywhere on the default side. If no joy Ill take the money and run.

 

Ive just received my statements from the Abbey and will now start that this weekend. Thats the big one!!

[jowalshy]

Well done..that was quick.