Advice needed: letter from Lloyds

[aldiboronti]

Finally reached the last stage of correspondence with Lloyds about repayment of bank charges. Now I'm more puzzled than ever.

 

It seems to be a standard letter, a few paragraphs telling me how much they care for me, how easy they've made it to keep a check on your account, blah blah. Then this:

 

"Generally we don't agree to adjust any of these charges, but I can tell you on this occasion we are prepared to repay you £ in full and final settlement of your complaint.

 

We will credit this amount to your account within 10 working days. We will also cancel any charges that we may have told you about but have not yet been taken from your account. We will not refund any overdraft interest, standard account or service charges."

 

That's exactly as it appears, ie a £ sign, no space for amount, just the sign.

 

So does this mean that they're paying me nothing? It seems a very odd way of putting it if that's true. I've tried contacting them by phone but it's next to impossible to get through. I guess I'll know if nothing appears in my account within 10 days, I just wondered if anyone else had something similar.

[paulpb123]

They probably meant £750 if your claim is above that amount.

[aldiboronti]

Yes, the claim was for £2400. It looks like I may have to decide now whether to settle for that or push on.

[topcat72]

my advice is to take the £750, deduct it from the total you have claimed and press on.

[aldiboronti]

I've just checked my account. £750 paid in, "Goodwill refund".

 

I wish I could afford to keep fighting but it's rather tempting to just take it. I am rather annoyed that they would just put it in like that, without making a formal offer. Clearly they're working on the theory that it's far more difficult to turn it down when it's actually in your account. They're right.

[aldiboronti]

Just saw your post, topcat. Could I do that? Doesn't acceptance of the £750 mean that I lose the right to go after more?

[nicsussex]

Doesn't acceptance of the £750 mean that I lose the right to go after more?

 

No it means you taking the £750 as a part sttlement - have alook here

 

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