hands up who have been refunded twice in error

[Stornoway]

From about 8 claims, so far we have been paid twice by;

- Co-op £300 at LBA stage

- Shabbey £1700 at LBA stage

- MBNA £1200 at LBA stage

 

Is this happening to other people ? Some of the banks are obviously in a real mess.

[orfoster]

Yeh got a cheque twice for £2500

[Bilgeman]

What a moral dilemma that would be (not!). You could be honest and offer it back or you could still be honest and look upon it as compensation for all the hassle and grief they caused you in the first place. What a choice.

 

No, it hasn't happened to me. Shame.

 

I wonder where they would stand if they asked for it back? Depends how the accompanying letter was worded, I suppose.

[Trojan1401]

I'm afraid they would have the right to recover. I would just put away in a high interest bearing account so when they come knocking ( and they will) then at least you have the interest from it. Don't put it with the same bank though.

[Curlyben]

Interesting point there Trojan, but as these payments are offered as a GoGW what would the banks position be then ?

Can they still try and recover a GoGW or are they doing this in the lead up to something more sinister ??

[Trojan1401]

Being Thick... GoGW ?

[Curlyben]

Sorry

GoGW = Gesture of Good Will

 

Basically they don't admit to doing anything wrong and simply throw money at us to go away.

Just so happens that the amount that they offer as a GoGW matchs the amount we believe has been taken.

 

A knotty subject indeed.

[Trojan1401]

Ah, thought it would be that simple.

However, even though it is/was a GoGW I suspect the banks would try to recover as it is a duplication. Whether they would persist i.e. via court/DCA etc or not is a different matter due to the relative small amounts involved and the additional adverse PR. Perhaps one of our banking friends could enlighten us.

[Curlyben]

assuming that there are letters to back up BOTH payments then the banks don't really have a leg to stand on.

I take you point tho' Trojan and throwing it in a high interest account untill it's all cleared upp certainly sounds like the best idea.

[Stornoway]

With co-op it was an identical letter so they have more of an argument to ask for it back but .... they are only paying me charges refund + 8% stat interest so they can sue me if they want and i'll counter sue for interest paid on the charges plus difference between the contractual interest claimed and the 8% interest paid.

 

MBNA, dont have a leg to stand on as second time round I simply asked them to remove default and in response they said no but here is another £x for you to go away. The history is that the paid half my claim after prelim then remaining half after LBA and someone has obviously forgotten to make a note of the LBA payment. It was a similar story with Abbey.

[Azazal23]

yeah boo yaa, Natwest settles my claim 2 months ago in full via cheque. They sent me an offer letter last week detailing this case with the OFT and have offered me a good will gesture to settle for 80% of my total claim. Stating it would be in my account in14 days if i accepted. I signed and returned the form saying a begrudgingly accept:)))