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7th June 2006, 13:06
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#12 (permalink)
| | Site Team |  Re: Meeting the Bank!!!!!!!!!!
Theres arguements both ways,but its Lauras choice as to whether she wants to negotiate face to face or by other means.
If its shown to be a point on which they could have an advantage on later,then obviously she needs to think about that.
The general consensus here is that she should not go down this route.
Theres nothing to stop her from declining their offer due to the large number of commitments she has got which does not afford her the time .......?  | 
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7th June 2006, 13:31
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#14 (permalink)
| | Platinum Account Customer | Re: Meeting the Bank!!!!!!!!!!
It would not be seen as unreasonable to refuse the meeting.
OP is planning legal action,and has every right to demand that any communication between herself and defendant be made in writing. She does not have to offer any other explanations or excuse, and should not.
In fact, my feel is that if she does that, that may well convince the bank to take her more seriously.
Can I point out something I see a lot in the forum? As opposed to a compensation case, for example, there is no duty to mitigate, meet half-way if you will. You are claiming a certain amount as due, 100% refund closes it. Your duty to mitigate goes as far as trying to keep out of court (hence the letters), NOT to negotiate a lower payment.
If you're not sure, think about it: Would your local council accept 1/2 your council tax to settle your bill if you fell behind? Would your creditor accept less than 100% repayments when you default ? (forget exceptional circumstances for a sec)
So no. If they want to meet, if they offer 50%, it is not "bad form" to refuse. Your claim, your rules.
.off soapbox.
__________________  Barclays: Won ~ NatWest: Won ~ Halifax (x2): Won ~ FNMF: Won ~ Barclaycard: Won ~ GHD: Won ~ Grattan: Won ~ GE Money: Won ~ Capital One: Won ~ Land of Leather: Won.*~*~*~*~*~*~*~*~*~*~*~*~* All advice and opinions given by Bookworm are personal, and are not endorsed by ConsumerActionGroup or BankActionGroup. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional. | |
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7th June 2006, 13:34
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#15 (permalink)
| | Gold Account Customer | Re: Meeting the Bank!!!!!!!!!!
Good points and I'm not recommending her to meet with them as such. Just pointing out something we may not have thought of that may need to be taken into account.
The having other commitments excuse is a good one. And it sounds like they haven't specifically said it is to discuss this matter anyway in which case I would possibly recommend going.
EDIT: Just read Bookworm's post - Good point in that you only have give them reasonable TIME in which to pay the full amount claimed which doesn't require meeting in person. I now agree more so that you shouldn't attend a meeting with them. Thanks BW for clarifying.
Last edited by thecornflake; 7th June 2006 at 13:36.
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