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I'm about to send in an lba to Halifax. I have just received a letter from them offering a partial payment of 420 against my original claim of £2040
However, I made a mistake in my original claim amount as it only goes back to 2003, I have a feeling there will be much more. Can I request additional charges to be added to my total claim in the LBA ? Or should I forget it now since I already stated the amount £2040 in my preliminary letter.
I would write your lba. Explain that you have found further charges for an earlier period and add them to the other total. Still give them 14 days.
Good luck
17/5/06 - Halifax -preliminary letter sent
31/5/06 - Halifax - LBA sent
15/6/06 - claim filed 6/7/06 - SETTLED IN FULL £3,306 + £859.95 interest
13/7/06 - Abbey Credit Card - Data Protection Act letter
10/8/06 - Abbey CC Rec £150 gwj £192 oust.
13/8/06 - Abbey CC - prelim letter sent
28/8/06 - Abbey CC - LBA 18/9/06 - Abbey CC - Settled in full - £200 paid
That's the way - just amend the letter before action to show you now have a new total.
No need to extend any time limits either, just as the post above says.
Best of luck
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Thank you for your replies, I have made a new total for money owed to me, Ive sent the lba today, Im giving them 7 days to reply, lets see how it goes. :?
Halifax Total Claim - £2,648.29
June 5th 2006 - Sent prelim letter :? June 27 2006 - Letter received from Halifax offer of - £407.00 (accepted as a Prelim Payment) July 1st 2006 - LBA sent July 14th 2006 - Claim Filed :? July 19th 2006 - Another offer of £1300
"Whoever said money can't buy happiness simply didn't know where to go shopping."
The first letter that I received from Halifax offered me a "goodwill gesture" of £407 which I accepted as preliminary payment, but also told them that I will still carry on with the claim for the full amount. I gave them 14 days to respond, which they failed to do. So last on Thurs I filed the claim. However just 5 mins ago I received a letter from them that they are willing to offer me £1300 as a Full and final settlement. Does this mean that they are not going to pay the £407 I accepted as a "good will gesture"?
Im confoosed! :?
Halifax Total Claim - £2,648.29
June 5th 2006 - Sent prelim letter :? June 27 2006 - Letter received from Halifax offer of - £407.00 (accepted as a Prelim Payment) July 1st 2006 - LBA sent July 14th 2006 - Claim Filed :? July 19th 2006 - Another offer of £1300
"Whoever said money can't buy happiness simply didn't know where to go shopping."
still about a grand off the mark anyway isn't it... I woudln't accept it, and would ask for the lot!!
Cahoot
JBD issued - 27/07/06, warrant issued 08/08/06 First Direct
Settled in Full Capital One
Prelim Sent Citi Financial
Offer of difference betwen £30 and £12 GE Capital - Evans Card, Data Protection Act Argos Card, DPA Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!) Egg Card & Egg Loan,DPA NatWest Card
LBA Vodfone
3rd letter re: default Studio & Ace
Prelim for Studio e-mailed
Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.
1st - £407 ( I accepted as initial payment but not full payment)
2nd - £1300
Do I write to them again and refuse ( I was going to anyway) ? Or shall I just wait until the court date?
Thanks
Halifax Total Claim - £2,648.29
June 5th 2006 - Sent prelim letter :? June 27 2006 - Letter received from Halifax offer of - £407.00 (accepted as a Prelim Payment) July 1st 2006 - LBA sent July 14th 2006 - Claim Filed :? July 19th 2006 - Another offer of £1300
"Whoever said money can't buy happiness simply didn't know where to go shopping."
Don't bother writing, file at court 14 days after your lba, it's the best way of telling them you've refused their offer.
Thank you Michael Browne =) I did think that but just wanted to make sure
Halifax Total Claim - £2,648.29
June 5th 2006 - Sent prelim letter :? June 27 2006 - Letter received from Halifax offer of - £407.00 (accepted as a Prelim Payment) July 1st 2006 - LBA sent July 14th 2006 - Claim Filed :? July 19th 2006 - Another offer of £1300
"Whoever said money can't buy happiness simply didn't know where to go shopping."
To clarify, they are not offering two payments, but this doesn't matter now anyway.
Also, be careful with the timescales you allow for settlement. Prelim and lba both give 14 days.
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
pinoyadobo vs halifax
to Halifax
Reply With Quote
2 Offers?? What now? Help
Originally Posted by Michael Browne
