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[Field Marshal Dr. Opti]

I have been offered £270 in full and final payment for their total *uck up when setting up my business account.

My question is this.

Should I accept their offer or take my complaint to the ombudsman?

What do you think?....

[LC0112G]

I have been offered £270 in full and final payment for their total *uck up when setting up my business account.

My question is this.

Should I accept their offer or take my complaint to the ombudsman?

What do you think?....

If it's just a goodwill settlement, and you didn't actually suffer any real losses, then I'd bite their arm off and run. If £270 reasonably covers your quantifyable losses, then I'd grudgingly take it. If £270 doesn't cover your losses then take it to the onbudsman. AIUI any complaint to the onbudsman costs them £250 regardless of who is right or wrong so an offer above £250 often means they accept they've done something wrong, and are offering you reasonable compensation. If the compensation is indeed reasonable, it's unlilkely the onbudsman would uphold your complaint - imho.

[Field Marshal Dr. Opti]

I have been offered £270 in full and final payment for their total *uck up when setting up my business account.

My question is this.

Should I accept their offer or take my complaint to the ombudsman?

What do you think?....

If it's just a goodwill settlement, and you didn't actually suffer any real losses, then I'd bite their arm off and run. If £270 reasonably covers your quantifyable losses, then I'd grudgingly take it. If £270 doesn't cover your losses then take it to the onbudsman. AIUI any complaint to the onbudsman costs them £250 regardless of who is right or wrong so an offer above £250 often means they accept they've done something wrong, and are offering you reasonable compensation. If the compensation is indeed reasonable, it's unlilkely the onbudsman would uphold your complaint - imho.

I didn't actually lose any money so perhaps £270 is a reasonable offer.

[chrisgixer]

Doesn't sound like you feel there's more in the claim then. So take it.

Personally I'd take the useless shower of shite to the ombudsman every time. Even if they rule a lesser payment, just to cause the bastards as much agro as possible.

Lloyd's being the equivalent of Taxis Al's Tony Blair, in my book.

[Field Marshal Dr. Opti]

Doesn't sound like you feel there's more in the claim then. So take it.

Personally I'd take the useless shower of shite to the ombudsman every time. Even if they rule a lesser payment, just to cause the bastards as much agro as possible.

Lloyd's being the equivalent of Taxis Al's Tony Blair, in my book.

So far it's been ten weeks and the account still has blocks on it.

[chrisgixer]

Ombudsman will have a waiting list much much MUCH longer than that to settle a despute. Its by no means a quick solution. Is it worth checking they haven't buggered your credit score?

I'd check anyway, ASAP, and if not, open an account elsewhere. If they have, there's cause for further payment right there.

Lloyd's are beyond hopeless ime anyway, so avoid is my advice. Then deal with Lloyd's in your own time as suits you, once the other account is open.

[Entwood]

We started a complaint through the ombudsman last August .. still nowhere near resolution, and they don't seem to care... as long as they are going through the relevant "procedures" and the other party are answering their questions, eventually, then the wheel keeps turning, albeit very slowly.....