Advice - Two Accounts - one settled today

[selizabeth]

Hi,

On December 14th I sent two letters together asking for a refund of charges for my two accounts; one that is active - asking for refund of £179 and another that was closed last year - £345. I received an acknowledgment a couple of days later but nothing else. LBA for both accounts was sent at beginning of Jan. On Tuesday (9th) I received an offer of £207. I called up and said I wasn't accepting the offer and wanted the full amount for both accounts. On talking to the rep it turns out that they were only aware of one account (one they owe 345), and he said they'd look into it and call me back. Sent my decline letter in the meantime with a copy of each of LBA letters for their clarification.

Today received a letter offering me full amount of £345 for my account. I notice the roll number at the top refers to the correct account, which is my old closed acct. However, no mention of my other.

Obviously I plan to accept this offer but does that mean they may think that I have accepted as full and final payment for both accounts? Or does it mean that the rolll number means payment is specifically for that one account and I should receive another letter regarding the other?

Sorry - hope i make sense. Appreciate your advice please.

[Didge]

In my extremely limited knowledge of these things, and until someone far more qualified comes along, I would respond in a manner of 'thank you very much, I accept this offer of settlement of £XXX for account number XXXXXXX1. However, I am still claiming £XXX for account number XXXXXXX2 and as I sent you a letter before action on XX/XX/XXXX, you have until XX/XX/XXXX to respond positively regards this second account.'
But as I say, don't listen to me too hard until someone who knows what they're talking about turns up

[selizabeth]

Hi,

Just to let you know that Halifax have paid up the full amount for my two accounts and all in a relatively short amount of time.
Already had electronic statements so didn't need to send for my statements.
Asked for - £179 and £345

14/12/06 - sent letter requesting refund
21/12/06 - received acknowledgement letter
02/01/07 - sent LBA
09/01/07 - received offer of £207. Declined offer thinking they were offering me 207 for both.
11/01/07 - received offer of £345 -

Realised after looking at my letters that both had different roll numbers on them and that they had after all responded to my request that both accts. be refunded of charges. The £207 instead of £179 threw me off until I logged on to my account and realised that they had charged me a further £28 for an unauthorized overdraft. I was suprised that they had refunded me a further £28 without me asking for it.

I'm very pleased with the result and will donate money when I receive my money through.

Thanks for all the help.

[Didge]

Nice one!
Well done