offered partial refund, what next??

[yuenyi888]

hi just received my s.a.r request back from mbna, saying they dont agree with the oft report and that their charges are fair blah blah blah. Have offered me £520 from a possible £1134. they said i will get the cheque in the next 10 working days. should i wait for the cheque, cash it then ask for the rest or should i just ask for the entire total straight away? need some advice urgently as i, not sure which steps to take next.

 

regards, yuenyi

[steven4064]

You should write accepting their offer as a partial settlement of your claim but telling them that you will continue the claim for the rest and will take them to court if necessary.

[yuenyi888]

hiya thanks for the advice. i just wanted to know the likelihood of mbna seeing this through to the end. i dont really want to go to court again, been through it with loydstsb (case stayed). is there a template for the next next letters to send?

 

regards, yuenyi.

[steven4064]

THere's no exact template because they don't usually make an offer at the SAR stage. You could cobble bits of the prelim letter and LBA.

[xpuser]

MBNA did the same to me, made a partial offer at the S.A.R - (Subject Access Request) stage. I calculated the charges and sent them a prelim letter. At the bottom of the prelim letter I just added a sentance, stating that their offer was accepted as a partial payment. and I still want the difference between the two values.

[steven4064]

absolutely right, xpuser