Ongoing struggle

morleywhite · 16th May 2006, 21:29

Hi hopeing that some one will be able to help me or have been in the same position and have some friendly advice .I have recently sent the Data Protection Act letter and in the time scale recieved my statements and then worked out what i believe i am owed and sent the request in money letter back and in this letter it says will give them 14 days to respond , well they responded 5 days later with a letter that says

dear morleywhite
Request for Repayment of charges

i write to you regarding your recent complaint. i would like to make you aware that your complaint has been acknowledged and is in the process of being referred to our customer relations team.
You will find enclosed a copy of our complaints leaflet .
Your concerns will be dealt with as quickly as possible, but if you need to speak to me in the mean time please contact me on tel:...............

Now what i want to know is if this is a standard letter and how long do i wait for them to get in touch before i get in touch with them .

thanks in adavnce for any advice

16th May 2006, 21:35

Hi, and welcome!

Please read the FAQ's section before beginning, as you will have a lot to read and take on board first. The answer to your question is a simple one, wait the 14 days out, then send your LBA....

We are here to help, but ultimately, its your claim and your responsibility!

Good Luck,

Louise x

Bookworm · 16th May 2006, 22:33

And yes, it is a standard letter, which you can safely file away, while you pursue your claim...

morleywhite · 25th May 2006, 17:03

To just give a quick update ,just had another letter offering me half what i requested as a " GOOD WILL GESTURE " so once more into the breach i shall go in my fight for justice ( and more money ) .

mechs · 25th May 2006, 22:18

Quote:

Originally Posted by morleywhite

To just give a quick update ,just had another letter offering me half what i requested as a " GOOD WILL GESTURE " so once more into the breach i shall go in my fight for justice ( and more money ) .

Thats a standard reply as well go for the whole hog rather than a back leg

morleywhite · 4th June 2006, 10:47

Just a quick update on my struggle for justice , i have sent a letter back saying thankyou for the offer of half which i will accept as part payment but i still require the other half or legal action will be taken . So here's hopeing on a quick and easy settlement .

"I have fought a good fight, I have finished my course, I have kept the faith." Bible, 2 Timothy iv. 7.

Janet-M · 4th June 2006, 10:57

Thats correct way as some people are just refusing half the money when in fact they shouldn't , only reject any conditions attatched.

morleywhite · 8th June 2006, 14:20

Just recieved another letter "saying sorry you was unhappy with initial offer of £100.00 blah blah blah , however to reach a amicable soloution to your complaint i am prepared to offer £340.00 in full and final settlement " now this is great as i was only asking for £190.00 back on this account but this is were my problem begins ,to accept this i have to sign a form saying i accept this as full and final settlement of my complaint regarding bank charges on any of my halifax ACCOUNTS , now this is my problem as i am currently trying to get just short of £1500 from another halifax account , obviously i want to get the money offered for the first account but dont want to ruining my chances on other account .Does anyone know how i can accept the money and still carry on my other claim .

thanks

thewifeandI · 8th June 2006, 16:04

Same again really - accept what they are offering as settlement of the account in question ONLY without surrendering any rights to claim other charges on other accounts.

morleywhite · 8th June 2006, 16:13

Does anyone know how to word such a letter as not very good at his sort of thing and really dont want to mess it up as i have got this close to getting my money back .

thanks in advance

thewifeandI · 8th June 2006, 16:58

Quote:

Originally Posted by morleywhite

Does anyone know how to word such a letter as not very good at his sort of thing and really dont want to mess it up as i have got this close to getting my money back .

thanks in advance

Something along the lines of: -

Quote:

Account No: 00000000

Thank you for your offer dated dd/mm/yyyy. I do not agree to the terms of the stated offer on the basis that it precludes me from reclaiming any further unlawful charges applied to other accounts held by me with the bank.

If you are prepared to remove that restriction I will be happy to accept the amount of £000.00 as settlement of the claim for penalty charges against the above numbered account ONLY.

morleywhite · 8th June 2006, 17:02

Thank you very much for your time and help on this matter it really is appreciated.

thank you
morleywhite

morleywhite · 8th June 2006, 17:16

Does this look and sound alright before i send it

my address

Halifax Plc
Customer Relations
PO Box 548
Leeds
LS1 1WU

8/06/2006

Dear Elaine Brown

ACCOUNT NUMBER :
REFERENCE NUMBER :

Thank you for your offer dated 7/06/2006. I do not agree to the terms of the stated offer on the basis that it precludes me from reclaiming any further unlawful charges applied to other accounts held by me with the bank.
If you are prepared to remove that restriction I will be happy to accept the amount of £340.00 as settlement of the claim for penalty charges against the above numbered account ONLY.
I will give you 14 days to reply to my request before I will begin a claim against you for the full amount plus interest plus my costs and without further notice.

Yours faithfully,

thewifeandI · 8th June 2006, 17:19

If this is to be your Letter Before Action (LBA), then use the template LBA and add the extra paragraphs at the beginning.

morleywhite · 8th June 2006, 17:48

The thing is i have already sent a LBA to her so if i send another practically the same wont it look rarther wierd.

thewifeandI · 8th June 2006, 18:00

Quote:

Originally Posted by morleywhite

The thing is i have already sent a LBA to her so if i send another practically the same wont it look rarther wierd.

Fair enough, just thought I'd better check first! In that case it should be OK but don't change the timescale - you might want to just remind them of when the LBA runs out.

morleywhite · 2nd July 2006, 07:59

I am now at the stage were i have had offers on both accounts and i have agreed to accept them both as part payments but i will require the rest of the money owed and i have now recieved a letter saying sorry that you felt our offers to refund some of your charges was'nt accepted but we will wont be paying all your charges back . So i guess now i go to money claim and take it from there .

Just a question on moneyclaim is it straightforward to fill in and is there anything i should be aware of ?

thanks morleywhite

thewifeandI · 2nd July 2006, 14:04

Have a look here: http://www.consumeractiongroup.co.uk...oneyclaim.html

morleywhite · 3rd July 2006, 19:08

Just submitted my claim using moneyclaim so i guess i just sit back and hope for the best . Gotta confess though do feel kinda nervous now cause it all seems very real now .

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