Thread: what a nightmare

Well where do i begin.... had a time of it and the post office are rubbish....sent my letter at beginning of April and sent my letter registered post, kept telling me that my letter wasnt delivered (twice its happened), so had waited over my 14days, then went into the bank with my letter asked for a signature, girl said i would need to enclose copies of the statements i was claiming back, so away i went, been so busy at work that sort of forgot, just when i did remember i got a letter from the bank telling me they are willing to pay me my £1100 (ish) back though just as a good will gesture as they are not at fault...

My dilemma now is they will only pay into the account i had with them which is unfortunately still open and im paying them back the debt i owe them due to their charges meaning i nearly had to make myself bankrupt.... they have said i basically take the money into the account and i dont see a penny or i dont accept the offer???? anyone heard of this and any advice on what i can do about it...

June

Similar Threads:

• Nightmare
• EGG what a nightmare!!!! what do i do???
• Rbs Nightmare
• Nightmare v FD
• Nightmare!!

Hi June not the first time its happened.
The answer is simple.Tell them that you are using your rights of appropriation to request that payment be made to you in your name to your address by cheque.Its possible they will withdraw the offer but if they do then proceed with the lba giving them 14 days to pay up.
If they agree make sure the cheque is not made out to your account number (they have used this trick recently )
wait for it to clear and then sign their letter for acceptance.
If they dont settle in full by the 14 day deadline then file for Court and ask for appropriation on the claim form.
You will also then be entitled to file for interest at 8%

You will probably need to address the other matters seperately.Have a look in the debt forums.
If you want to address both at the same time then there are ways to do this.
Do not accept as Full and final for all matters on the account if there are still issues of arrears.They may try and trick you into accepting the money without sorting out the arrears.

should i then decline their offer and issue the lba stating i want this money by cheque before i will accept.

Dont get me wrong im going to be paying off all the debt in about 4 weeks but its not the point...

Thanks for your response Martin

just a quick query before tomorrow, should i call them or reply to them on the acceptance letter that i will only accept if a chq is made payable to myself, or should i send in the lba saying im not accepting this unless its on my terms

June

anyone help me with my query from above???????????????????