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As the title says i've just signed up and thought i'd drop my first thread.
I'm in the process of claiming charges from Halifax totalling nearly £2500, From reading other threads I think I may be luckier than some as they have already sent me an offer which I am going to refuse. They have asked to me to call them, does anyone think this is a good idea or should i stick to written mail?
My advice would be to communicate in writing only, unless you are supremely confident on the telephone and are fully conversant with the facts of claiming back charges.
iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted. Vanquis - Claim issued, no AoS or Defence received
It makes sense to put everything in writing, at this stage, from the off set.
You need hard copies of any communication incase it goes to court. The judge will need to see copies of all correspondance in order to make an informed decision. However, this is a self-help for, so ultimately the decision is your to make.
Thanks hagenuk,
thats what I thought, I didnt want to say the wrong thing and help them get out of anything!!
Just wondered though, I see from alot of previous threads that when making a call the bank usually tries to make you feel as though you were totally in the wrong and they have been nothing but nice...... Is it worth pointing out problems they have caused me in the past through their mistakes and the length of time it took to resolve them? I've not had a great run with Halifax through no fault of my own (Fraud and admin mistakes) which they made so much worse!! Thought it may show them that i'm not willing to back down?
I think the best way to show them that you are not willing to back down is to continue with your claim.
I appreciate that it might feel good to point out their failings - and you will probably agree with me here - you are highly unlikely to reach anyone who can do anything about it, much less actually cares a great deal.
iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted. Vanquis - Claim issued, no AoS or Defence received
It makes sense to put everything in writing, at this stage, from the off set.
You need hard copies of any communication incase it goes to court. The judge will need to see copies of all correspondance in order to make an informed decision. However, this is a self-help for, so ultimately the decision is your to make.
Either way, good luck.
In three days i'll be at the court stage, which does lead me to another question, now they have made me an offer does that reset the clock for them so i have to wait another 14 days from my refusal letter?
In three days i'll be at the court stage, which does lead me to another question, now they have made me an offer does that reset the clock for them so i have to wait another 14 days from my refusal letter?
No, you file your claim in accordance with your own timetable.
iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted. Vanquis - Claim issued, no AoS or Defence received
Thats good, was thinking cause they have made an offer it may give them more time, i'll decline their wonderfull offer and start small claims proceddings on weds, i'll also state that in the letter with dates etc!
Thanks for all yr help
Hi everyone - its my first thread!
totalling nearly £2500, From reading other threads I think I may be luckier than some as they have already sent me an offer which I am going to refuse. They have asked to me to call them, does anyone think this is a good idea or should i stick to written mail?
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Originally Posted by muggins73
